Published decisions
1,390
Firm-specific decision volume in the public corpus
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.
Upheld rate
23.6%
328 upheld decisions
Page summary
1,390 published decisions involving Vanquis Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,390
Firm-specific decision volume in the public corpus
Upheld rate
23.6%
328 upheld decisions
Latest published decision 25 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
1,390
Firm-specific decision volume in the public corpus
Upheld rate
23.6%
328 upheld decisions
Leading product
Banking and Payments
796 decisions
Leading complaint theme
Delay In Claim Handling
156 tagged decisions
Vanquis Bank Limited at a glance
AnalysisVanquis Bank Limited appears in 1,390 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 796 decisions and an upheld rate of 22.2%.
- Latest active year in the published data: 2026 (46 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisVanquis 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 46 published decisions with an upheld rate of 21.7%.
- 2026: 46 decisions, 21.7% 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
AnalysisDelay 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: 796 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-654150125 Aug 2026Not upheld
Vanquis Bank Limited · Banking and Payments
Vanquis Bank Limited has already made an offer to pay £75 and to apply the cash interest rate of 58. 89% to settle Mr T’s complaint and I think this offer is fair in all the circumstances.
View source decisionDRN-656015225 Aug 2026Not upheld
Vanquis Bank Limited · Banking and Payments
My final decision is that I do not uphold this complaint against Vanquis Bank Limited for the reasons set out above. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss M to accept or reject my decision before 22 September 2026.
View source decisionDRN-643253921 Aug 2026Not upheld
Vanquis Bank Limited · Banking and Payments
For the reasons given above, I do not uphold this complaint against Vanquis Bank Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 18 September 2026.
View source decisionDRN-650804921 Aug 2026Not upheld
Vanquis Bank Limited · Banking and Payments
My final decision is that I don’t uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms M to accept or reject my decision before 18 September 2026.
View source decisionDRN-651251510 Aug 2026Upheld
Vanquis Bank Limited · Banking and Payments
My decision is that I uphold this complaint in part. Vanquis Bank Limited should pay Mr C £550, from which it is entitled to pay his arrears.
View source decision