Creditor, lender or debt-collection entity

Vanquis

Independent information about Vanquis card missed payments, financial-difficulty support, credit-file impact and complaints.

Vanquis says customers who miss a monthly payment should contact it if they cannot afford to catch up. Its current support includes a short Promise to Pay option in limited circumstances and broader money-worries support where the problem is not temporary.

What role does Vanquis have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Vanquis Bank Limited is registered in England and Wales under company number 02558509. Vanquis states that it is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA under Financial Services Register number 221156.

Vanquis Bank Limited is authorised by the PRA and regulated by the FCA and PRA under Financial Services Register number 221156.

Contacting Vanquis

Use the Vanquis app, online account or official financial-difficulty contact route. Check the missed amount, due date and whether the difficulty is temporary before agreeing a catch-up promise.

If you want to complain

Vanquis publishes a formal complaints process and explains that eligible unresolved complaints can be referred to the Financial Ombudsman Service after its final response or if it has not provided one within eight weeks.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Vanquis. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.