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-5351782
17 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5351782 Complaint Ms B has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments re... (5 pages)View decision -
Decision Reference DRN-5208125
14 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5208125 The complaint Mr H has complained about a credit card he took out in February 2023 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. What happened Mr H took out this Vanquis credit card account in February 2023 with a cre... (2 pages)View decision -
Decision Reference DRN-5331121
14 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331121 The complaint Mr R has complained about a credit card he took out in August 2013 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. What happened Mr R took out this Vanquis credit card account in August 2013 with a credit ... (3 pages)View decision -
Decision Reference DRN-5352057
14 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5352057 The complaint Mrs T complains that Vanquis Bank Limited gave her incorrect information about the impact of an arrangement to repay her credit card. What happened Mrs T holds a credit card account with Vanquis. On 5 February 2024 Vanquis wrote to Mrs T about an interest rate ... (3 pages)View decision -
Decision Reference DRN-5328052
13 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5328052 The complaint Ms E complains that Vanquis Bank Limited irresponsibly lent to her. Ms E 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 Ms E herself. What happen... (3 pages)View decision -
Decision Reference DRN-5392808
12 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5392808 The complaint Mrs H complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I ... (3 pages)View decision -
Decision Reference DRN-5338143
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5338143 The complaint Miss C’s complaint relates to a credit card she had with Vanquis Bank Limited. She has said that she considers Vanquis was irresponsible when it accepted her application, and later increased her credit limit, as neither were affordable for her. Miss C is repres... (3 pages)View decision -
Decision Reference DRN-5359849
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5359849 Complaint Mr P has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In April 2020, Vanquis provided Mr P with a credit card ... (3 pages)View decision -
Decision Reference DRN-5330554
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5330554 The complaint Mr C complains that Vanquis Bank Limited have irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in November 2017 with a £250 credit limit. The credit limit was increased to £500 in February 2018, and the credit limit was incre... (3 pages)View decision -
Decision Reference DRN-5301052
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301052 The complaint Mr J complains that Vanquis Bank Limited trading as Vanquis Card irresponsibly lent to him. Mr J is represented by a solicitor’s 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 ... (3 pages)View decision
