We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1211 results
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Decision Reference DRN-5366142
21 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5366142 The complaint Mrs D complains that Vanquis Bank Limited irresponsibly lent to her. Mrs D is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs D herself. What hap... (2 pages)View decision -
Decision Reference DRN-5412084
21 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5412084 The complaint Mr K complains that Vanquis Bank Limited was irresponsible in lending him two credit card accounts which he couldn’t afford to repay. What happened In March 2011 Vanquis lent Mr K two credit card accounts. Each account had a credit limit of £500. In August 201... (2 pages)View decision -
Decision Reference DRN-4969414
20 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4969414 The complaint Mr E complains Vanquis Bank Limited (Vanquis) should have done more to help him recover a £50 administrative charge paid to an insurance broker. What happened On 27 December 2023, Mr E said he paid £50 with his credit card to an insurance broker (which I’ll ca... (4 pages)View decision -
Decision Reference DRN-5368207
20 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5368207 The complaint Miss W complains that Vanquis Bank Limited irresponsibly lent to her. Miss W is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss W herself. What ... (2 pages)View decision -
Decision Reference DRN-5301287
19 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301287 The complaint Mr N complains that Vanquis Bank Limited irresponsibly lent to him. Mr N is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr N himself. What happen... (4 pages)View decision -
Decision Reference DRN-5361409
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5361409 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges he has paid refunded along with statutory interest. Mr W is represented by a third party but for ease of reference I have referred to Mr W throug... (3 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN-5334148
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5334148 The complaint Miss C complains Vanquis Bank Limited (Vanquis) acted irresponsibly when it increased the credit limits on her credit card account and offered her a new credit card following the closure of her first credit card account. What happened Miss C says she took out a... (3 pages)View decision -
Decision Reference DRN-5358868
17 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5358868 The complaint Miss S complains that Vanquis Bank Limited was irresponsible in its lending to her. What happened Miss S was provided with a £3,000 loan by Vanquis Bank in January 2023. The loan term was 36 months and Miss S was required to make monthly repayments of £120.30. ... (2 pages)View decision -
Decision Reference DRN-5344055
17 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344055 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr W applied for a credit card with Vanquis in September 2014. In his application, Mr W said he was self employed with an income of £45,000.... (3 pages)View decision
