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 1373 results
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Decision Reference DRN-5699992
16 Sep 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5699992 The complaint Mrs F complains that Vanquis Bank Limited irresponsibly provided her with a credit card and credit limit increases. What happened Vanquis provided Mrs F with a credit card in January 2014 with a limit of £500. It sent Mrs F notification of its intention to inc... (3 pages)View decision -
Decision Reference DRN-5488231
15 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5488231 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr S applied for a Vanquis credit card in June 2021. In his application, Mr S said he was employed with an income of £30,000 a year that Van... (3 pages)View decision -
Decision Reference DRN-5618426
10 Sep 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5618426 The complaint Ms P complains that Vanquis Bank Limited lent to her irresponsibly. What happened On 1 April 2022, Ms P applied for and received a loan from Vanquis. It was agreed on the following terms: Amount Term Monthly repayment Total payable £4,00024 months £209.03 £5,0... (3 pages)View decision -
Decision Reference DRN-5571651
9 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5571651 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a Vanquis credit card in August 2021. In his application, Mr W gave a household income... (4 pages)View decision -
Decision Reference DRN-5798878
9 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5798878 The complaint Mrs G complains that Vanquis Bank Limited irresponsibly provided her with an unaffordable credit card. What happened Vanquis provided Mrs G with a credit card with the following details: Date Lending Decision Credit Limit September 2009 Original limit £500Octo... (4 pages)View decision -
Decision Reference DRN-5674541
8 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5674541 The complaint The estate of Mrs N (the estate) complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs N was approved for a Vanquis credit card in November 2013, with a £500 credit limit. I have set out the credit limit changes below: April 2014 £500... (5 pages)View decision -
Decision Reference DRN-5754649
4 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5754649 The complaint Mr B complains that Vanquis Bank Limited (‘Vanquis’) returned £90 he’d paid towards his credit card and defaulted his account. Mr B’s unhappy that he didn’t receive a replacement credit card from Vanquis or a default notice, and Vanquis have failed to send impo... (3 pages)View decision -
Decision Reference DRN-5702333
4 Sep 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5702333 The complaint Mr U is unhappy that Vanquis Bank Limited reported a default against his account and sold his debt onto a third-party. What happened Mr U held a credit card account with Vanquis. In January 2023, he got in touch with Vanquis to explain that he was unable to ma... (3 pages)View decision -
Decision Reference DRN-5697909
3 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5697909 The complaint Mr C is unhappy with how long a transfer of funds took from Vanquis Bank Limited, and the long wait times when he called to chase it. What happened Mr C transferred funds from his Vanquis savings account at around 9.30pm on 6 April 2025. As the funds hadn’t bee... (2 pages)View decision -
Decision Reference DRN-5755013
2 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5755013 The complaint Miss H complains that Vanquis Bank Limited didn’t change her payment collection date and reported a late payment on her credit file. What happened Miss H holds a credit card account with Vanquis. In March 2025 Miss H received a letter from Vanquis advising her ... (3 pages)View decision