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
-
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN-5191717
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5191717 The complaint Mr T, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr T took out a credit card in June 2021. He was given a £1,000 limit that was increased to £1,500 in November 2021. Mr T says his financial position was such tha... (2 pages)View decision -
Decision Reference DRN-5155545
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155545 The complaint Mr B complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr B applied for a credit card with Vanquis in January 2020. In his application, Mr B said he was employed with an income of £40,234 a year.... (2 pages)View decision -
Decision Reference DRN-5135119
4 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5135119 The complaint Mr G complains that Vanquis Bank Limited increased the interest rate applicable to his account. He’s also unhappy that when he contacted Vanquis and advised then that he’d lost the paperwork from when he took out the card and couldn’t recall what the interest r... (3 pages)View decision -
Decision Reference DRN-5160832
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5160832 Complaint Mr P has complained about a credit limit increase which Vanquis Bank Limited (“Vanquis”) provided to him on a credit card. He says that he shouldn’t have been offered the limit increase because of his credit score and it was applied to his card without him asking ... (3 pages)View decision -
Decision Reference DRN-5065477
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5065477 Complaint Mrs C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Vanquis initially provided Mrs C with... (4 pages)View decision -
Decision Reference DRN-5131143
27 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5131143 The complaint Mr M is unhappy that Vanquis Bank Limited (‘Vanquis’) didn’t stop him from exceeding his credit card limit and took a long time dealing with his complaint. Mr M would like Vanquis to put something in place to stop their customers exceeding their credit limit. ... (3 pages)View decision -
Decision Reference DRN-5131944
27 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5131944 The complaint Ms W complains that Vanquis Bank Limited did not handle her claims properly in respect of an unsatisfactory holiday. What happened Ms W booked flights, a hotel, and a cruise with her Vanquis credit card. The payments were made separately, and she paid £1,502.89... (3 pages)View decision -
Decision Reference DRN-5133088
26 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5133088 The complaint Miss D complains Vanquis Bank Limited irresponsibly increased her credit limit to £1,000. What happened Miss D was approved for a Vanquis credit card with a £250 credit limit. The credit limit was increased to £1,000 in July 2018. Miss D says it was irresponsib... (2 pages)View decision -
Decision Reference DRN-5124694
21 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5124694 The complaint Ms V complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In July 2021 Ms V applied for a credit card with Vanquis. In her application, Ms V said she was self em... (3 pages)View decision
