Firm analysis

Vanquis Bank Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Vanquis Bank Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,345 published decisions involving Vanquis Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,345

Firm-specific decision volume in the public corpus

Upheld rate

23.6%

318 upheld decisions

Latest published decision 30 Jan 2026

Published decisions

1,345

Firm-specific decision volume in the public corpus

Upheld rate

23.6%

318 upheld decisions

Leading product

Banking and Payments

752 decisions

Leading complaint theme

Delay In Claim Handling

136 tagged decisions

Vanquis Bank Limited at a glance

Vanquis Bank Limited appears in 1,345 published decisions in this corpus. 23.6% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and Payments is the firm’s clearest product exposure in the published decisions, with 752 decisions and an upheld rate of 22.2%.

  • Latest active year in the published data: 2026 (1 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Vanquis Bank Limited's decision trail runs from 2013 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Vanquis Bank Limited appeared in 1 published decisions with an upheld rate of 0.0%.

  • 2026: 1 decisions, 0.0% upheld
  • 2025: 303 decisions, 15.2% upheld
  • 2024: 180 decisions, 33.3% upheld
  • 2023: 54 decisions, 29.6% upheld
  • 2022: 86 decisions, 24.4% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Vanquis Bank Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 75 Cca, Section 140a Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and Payments: 752 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Section 75 Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-583090730 Jan 2026Not upheld

Vanquis Bank Limited · Banking and Payments

I don’t uphold this complaint against Vanquis Bank Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K to accept or reject my decision before 27 February 2026.

View source decision
DRN-600520622 Dec 2025Not upheld

Vanquis Bank Limited · Banking and Payments

DRN-6005206 The complaint Miss B complains Vanquis Bank Limited (“Vanquis”) lent to her when it shouldn’t have. What happened In March 2024, Miss B applied for a credit card with Vanquis. The application was approved, and Miss B was given a £600 limit. The limit wasn’t ever increased. M... (3 pages)

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DRN-600641718 Dec 2025Upheld

Vanquis Bank Limited · Banking and Payments

DRN-6006417 The complaint Mr L is unhappy with the customer service provided by Vanquis Bank Limited in relation to a credit card. What happened In April 2025 Mr L called Vanquis to discuss his account. He said, in summary, that staff were hostile and very rude. Mr L complained to Vanqu... (2 pages)

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DRN-579729417 Dec 2025Not upheld

Vanquis Bank Limited · Banking and Payments

DRN-5797294 The complaint Mr F complains about how Vanquis Bank Limited recorded information on his credit file in relation to a credit card. What happened Unfortunately, Mr F suffered a bereavement and explained this meant he needed to leave the UK. When he returned, he found out his ... (3 pages)

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DRN-580085715 Dec 2025Not upheld

Vanquis Bank Limited · Banking and Payments

DRN-5800857 Complaint Miss M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Miss M with a credit card with an initial limit of £1,500.... (3 pages)

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