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 1382 results
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Decision Reference DRN2407171
4 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr B complains Vanquis Bank Limited didn’t give him any options to pay the balance of his credit card account after he moved to another country.backgroundMr B told Vanquis he was leaving the UK and asked how he could pay his credit card balance. It immediately canc... (2 pages)View decision -
Decision Reference DRN6590088
1 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMiss T complains that Vanquis Bank Limited kept harassing her for payment on her credit card account after she’d activated her repayment option plan (ROP). This should’ve frozen the account for six months.backgroundVanquis said it activated the repayment option plan at ... (1 page)View decision -
Decision Reference DRN9177956
21 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr L has complained about charges Vanquis Bank Limited added to his credit card account.backgroundMr L had a credit card with Vanquis. When he called it’s automated telephony service, he was told he needed to make a payment of £19.03, which he did. But it transp... (2 pages)View decision -
Decision Reference DRN6550006
16 Mar 2016 Vanquis Bank Limited UpheldBanking and creditMs T complains that Vanquis Bank Limited didn’t remove an incorrect address link from her credit file and she was chased for debts she didn’t owe.background Vanquis recorded incorrect information on Ms T’s credit report in 2014. Ms T told Vanquis she wasn’t the right ... (2 pages)View decision -
Decision Reference DRN0906711
11 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr C has complained Vanquis Bank Limited is charging him the wrong amount on his credit card account.backgroundMr C believes his credit card statements show he owes about £1,000 more than he thinks they should. He complained to Vanquis. Vanquis reviewed his account ... (1 page)View decision -
Decision Reference DRN4498155
9 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr G has complained that Vanquis Bank Limited increased his credit limit without his authority, resulting in him overspending and incurring fees and charges.backgroundVanquis wrote to Mr G to say it would be increasing his credit limit from £250 to £500. It asked h... (1 page)View decision -
Decision Reference DRN4161268
8 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMrs U bought air tickets through a travel company (“T Company”) for herself, her husband and her nephew, using a credit card issued by Vanquis Bank Limited (“Vanquis”). She complains that: her nephew wasn’t allowed to board a plane because the airline said his pa... (2 pages)View decision -
Decision Reference DRN1207197
8 Mar 2016 Vanquis Bank Limited UpheldBanking and creditMr G complains that Vanquis Bank Limited closed his credit card account without giving him any notice but it’s still charging him interest.backgroundVanquis said it had restricted Mr G’s account and would close it when he’d paid the full outstanding balance. Mr G though... (2 pages)View decision -
Decision Reference DRN8319682
2 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited suspended and then closed his account.backgroundVanquis wrote to Mr I, explaining that during a routine review of his account, it had been unable to verify all or some of the information he’d provided when he applied. It explain... (2 pages)View decision -
Decision Reference DRN8353156
29 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited mis-sold a Repayment Option Plan to him when he opened a credit card account.our initial conclusionsOur adjudicator didn’t uphold the complaint. She thought that when Mr E opened the account, Vanquis explained the plan to him and ... (2 pages)View decision