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-4793652
12 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4793652 The complaint Mr S has complained that Vanquis Bank Limited unfairly defaulted his account, even though he was keeping up his repayments to a debt collection agency, to whom the account had been passed. What happened Mr S had an account with Vanquis, but didn’t make his mont... (2 pages)View decision -
Decision Reference DRN-5017622
12 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5017622 The complaint Mr Y complains Vanquis Bank Limited irresponsibly lent to him. Mr Y is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr Y himself. What happened Mr... (5 pages)View decision -
Decision Reference DRN-5013135
11 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5013135 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L opened a credit card account in August 2018, he was given a £500 limit. This was increased to £1,000 on 1 December 2018 and to £1,750 on 11 May 2019. He say... (3 pages)View decision -
Decision Reference DRN-4973433
10 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4973433 The complaint Mr J complains that Vanquis Bank Limited lent irresponsibly when it approved his application for a credit card and later increased the credit limit. What happened Mr J applied for a credit card with Vanquis in March 2017. Vanquis approved the application and ga... (3 pages)View decision -
Decision Reference DRN-5002718
9 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5002718 The complaint Mr B is being represented by a claims manager. He’s complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing a credit card he couldn’t afford and subsequently increasing the credit limit. What happened Mr B has a credit card acc... (4 pages)View decision -
Decision Reference DRN-4998760
7 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4998760 The complaint Mr J complains Vanquis Bank Limited (“Vanquis”) only asked him to provide source of wealth information once he’d deposited funds in his new savings account. Mr J says Vanquis should have made it clear that it required this from the application stage. Mr J is al... (5 pages)View decision -
Decision Reference DRN-5004103
6 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5004103 The complaint Mr G complains that Vanquis Bank Limited (“Vanquis”) sent his new credit card and other documents to the wrong address, which led to fraudulent activity on his account and fraudulent credit applications being made in his name. What happened Mr G holds a credi... (3 pages)View decision -
Decision Reference DRN-4994260
5 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994260 The complaint Mr T complains that Vanquis Bank Limited acted irresponsibly in its lending to him. Mr T is represented by a third party but for ease of reference I have referred to Mr T throughout this decision. What happened Mr T was provided with a Vanquis credit card in Ap... (3 pages)View decision -
Decision Reference DRN-4994428
3 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994428 The complaint Mr M says Vanquis Bank Limited irresponsible lent to him. What happened Mr M took out a credit card from Vanquis on 25 March 2024. He was given a £600 credit limit. He says he was given this credit card during a difficult time in his life when he had a gambling... (2 pages)View decision -
Decision Reference DRN-4971454
2 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4971454 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) didn’t credit his account with a balance transfer of £3,000. What happened On 1 December 2023, Mr S set up a balance transfer for £3,000 from another bank credit card (which I will call ‘bank A’). The credit wa... (3 pages)View decision
