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 1126 results
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Decision Reference DRN-5138047
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5138047 Complaint Mr H 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 February 2019, Vanquis provided Mr H with a credit ca... (3 pages)View decision -
Decision Reference DRN-5166927
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166927 Complaint Miss S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Vanquis provided Miss S with a credit card in July 2016. Miss S was then offered a credit l... (3 pages)View decision -
Decision Reference DRN-5190977
13 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5190977 Complaint Mr Q 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 May 2019, Vanquis provided Mr Q with a credit card wh... (3 pages)View decision -
Decision Reference DRN-5200988
11 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5200988 The complaint Miss W, through a representative, complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss W applied for a credit card from Vanquis in October 2020. It gave her a £1,000 credit limit and increased this to £1,550 in July 2021 and to £2,4... (3 pages)View decision -
Decision Reference DRN-5155700
10 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155700 The complaint Mr M complains that Vanquis Bank Limited irresponsibly lent to him. Mr M 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 Mr M himself. What happe... (5 pages)View decision -
Decision Reference DRN-5197199
10 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5197199 The complaint Mr W complains about the actions Vanquis Bank Limited took when he entered into a repayment plan with it for his credit card account. What happened In October 2023, Mr W got in contact with Vanquis because he could no longer afford to make the minimum repaymen... (5 pages)View decision -
Decision Reference DRN-5141392
10 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5141392 Complaint Miss M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card was irresponsibly provided as it was unaffordable. Background Vanquis provided Miss M with a credit card with a limit of £500 in February 2019. One of... (3 pages)View decision -
Decision Reference DRN-5139386
9 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5139386 The complaint Mr A complains that Vanquis Bank Limited (“Vanquis”) registered a default on his account. He’s also unhappy that Vanquis failed to call him back as agreed. What happened Mr A holds an account with Vanquis. On 3 November 2023 his direct debit was returned unpaid... (6 pages)View decision -
Decision Reference DRN-5122932
9 Dec 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-5122932 The complaint Miss P complains that Vanquis Bank Limited (Vanquis) marked her credit file. What happened Miss P took out a loan for £2,500 from Vanquis in October 2017. Payments were £111.06 per month, over 36 months. In December 2019, she entered a debt management plan (DMP... (2 pages)View decision -
Decision Reference DRN-5161661
6 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5161661 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved two credit card applications he made. Mr H also complains Vanquis increased the credit limit on one of the credit cards. What happened Mr H applied for a credit card with Vanquis in S... (4 pages)View decision
