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 1211 results
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Decision Reference DRN-5231400
9 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5231400 The complaint Mr C, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr C took out a credit card from Vanquis in May 2013. He was given an opening credit limit of £500. He then received six credit limit increases as set out below: ... (3 pages)View decision -
Decision Reference DRN-5171936
9 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5171936 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. Mr C is represented by a claims management company 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 C himself. W... (4 pages)View decision -
Decision Reference DRN-5161462
8 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5161462 The complaint Mr A has complained that Vanquis Bank registered a fraud marker against him. What happened Mr A had an account with Vanquis. In 2020, they asked him for proof of identity, which wasn’t received, so they closed the account. Separately, Vanquis registered a fraud... (2 pages)View decision -
Decision Reference DRN-5193406
8 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5193406 The complaint Miss D complains about issues she experienced when her account with Vanquis Bank Limited was closed. What happened Miss D opened a credit card account with Vanquis in March 2021. On 30 May 2023 Vanquis wrote to Miss D to advise her that the APR on the account w... (3 pages)View decision -
Decision Reference DRN-5171035
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5171035 The complaint Mr K complains about charges applied to his credit card by Vanquis Bank Limited. What happened Mr K had a credit card with Vanquis that was closed at default due to missed payments in 2014. Before the credit card was closed, Vanquis applied overlimit and late ... (2 pages)View decision -
Decision Reference DRN-5195425
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5195425 Complaint Mr C has complained about a credit card Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In July 2019, Vanquis provided Mr C with a cre... (3 pages)View decision -
Decision Reference DRN-5236889
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236889 Complaint Mr D has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In May 2017, Vanquis provided Mr D with a credit card wh... (3 pages)View decision -
Decision Reference DRN-5181425
2 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5181425 The complaint Mr S complains about the service he received from Vanquis Bank Limited when he contacted them to pay off his balance. What happened Mr S contacted Vanquis on 17 July 2024 and agreed to pay off his balance in full. An agent took payment from Mr S and agreed to c... (3 pages)View decision -
Decision Reference DRN-5236237
2 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5236237 The complaint Miss F complains that Vanquis Bank Limited irresponsibly lent to her. Miss F is represented by a Solicitor’s 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 Miss F herself. What... (4 pages)View decision -
Decision Reference DRN-5218116
2 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5218116 The complaint Mrs H says Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened Mrs H had a credit card account with Vanquis. She fell into arrears in 2022 and Vanquis defaulted the account in August of that year. Mrs H thought they were unrea... (2 pages)View decision
