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
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Decision Reference DRN-4999688
18 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4999688 The complaint Mr F complains that Vanquis Bank Limited (“Vanquis”) failed to properly administer a new account opening, allowing a fraudster to use his details which negatively affected his credit standing. What happened In late 2023, Mr F became aware that a new credit acco... (3 pages)View decision -
Decision Reference DRN-5088638
17 Oct 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-5088638 The complaint Mrs B says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs B took out a loan for £4,000 over 48 months on 16 February 2023. The monthly repayments were £117.84 and the total repayable was £5,656.32. Mrs B says Vanquis should have never allowe... (3 pages)View decision -
Decision Reference DRN-5079948
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5079948 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B took out a credit card from Vanquis on 20 July 2016. He was given a credit limit of £250. This was increased to £750 in February 2017, to £1,750 in October 2... (3 pages)View decision -
Decision Reference DRN-5044125
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5044125 The complaint Mrs S complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and fees charged on her account refunded along with statutory interest. Mrs S is represented by a third party but for ease of reference I have referred to ... (2 pages)View decision -
Decision Reference DRN-4937033
17 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4937033 The complaint Miss M complains that Vanquis Bank Limited gave her incorrect information about a new credit card being sent to her. What happened Miss M says that on 27 February 2024, two transactions had debited her account, and then re-credited her account later that day. S... (2 pages)View decision -
Decision Reference DRN-5070669
16 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5070669 The complaint Mr R complains that Vanquis Bank Limited irresponsibly agreed credit for him. What happened Vanquis opened a credit card account for Mr R in February 2019 with a £1,000 credit limit. Mr R didn’t meet his repayments and the account was passed to a third party d... (5 pages)View decision -
Decision Reference DRN-5060451
15 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5060451 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened Miss D applied for a credit card with Vanquis in January 2022. Vanquis approved the application and gave Miss D a credit card with an initial credit limit of £1000. In May 2022 ... (3 pages)View decision -
Decision Reference DRN-5076958
15 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5076958 The complaint Ms G says Vanquis Bank Limited irresponsibly lent to her. What happened Ms G took out a credit card from Vanquis in December 2018. She was given a credit limit of £1,000. This was increased as set out below. credit limit increase date value, £ 1 04/04/2019 £1,5... (4 pages)View decision -
Decision Reference DRN-5054947
11 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5054947 The complaint Mr N complains that Vanquis Bank Limited lent to him irresponsibly. What happened Mr N applied for a credit card with Vanquis in April 2019. Vanquis approved the application and gave Mr N a credit card with an initial credit limit of £1000. There were no furthe... (2 pages)View decision -
Decision Reference DRN-5042853
10 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5042853 The complaint Mr M complains that Vanquis Bank didn’t freeze the interest and charges on his account, as it had agreed to, and that it then reduced his credit limit and told him that his credit rating would be affected. What happened Mr M phoned Vanquis Bank in October 2023 ... (3 pages)View decision
