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 1110 results
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Decision Reference DRN-4895383
2 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4895383 The complaint Mr H has complained that Vanquis Bank Limited (“Vanquis”), irresponsibly granted him a credit card account, which he couldn’t afford to repay. What happened Mr H took out a credit card with Vanquis in January 2013, with an initial credit limit of £500. There ... (3 pages)View decision -
Decision Reference DRN-4909847
2 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4909847 The complaint Mrs H complains that Vanquis Bank Limited irresponsibly lent to her. Mrs H 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 Mrs H herself. What hap... (3 pages)View decision -
Decision Reference DRN-4871595
2 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4871595 The complaint Ms W complains that Vanquis Bank Limited irresponsibly lent to her. Ms W 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 Ms W herself. What happen... (3 pages)View decision -
Decision Reference DRN-4942056
1 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4942056 The complaint Miss L complains that Vanquis Bank Limited lent to her in an irresponsible manner. What happened Miss L applied for, and was granted, a credit card by Vanquis in April 2018. She has subsequently had her credit limit raised five times, from its original value of... (3 pages)View decision -
Decision Reference DRN-4903130
30 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4903130 The complaint Ms C complains about a credit card account she had with Vanquis Bank Limited. More specifically, I understand Ms C is unhappy about the sale of the policy to her and because she says she never received the benefits from the Repayment Option Plan (ROP) product o... (2 pages)View decision -
Decision Reference DRN-4913143
26 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4913143 Complaint Miss B has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card as well as the limit increases were irresponsibly provided. Background Vanquis provided Miss B with a credit card with an initial limit of £500 in May ... (3 pages)View decision -
Decision Reference DRN-4895502
24 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4895502 The complaint Mr P complains that Vanquis Bank Limited lento him irresponsibly. He’s also unhappy that the account has been defaulted and sold to a third party. What happened Mr P applied for a credit card with Vanquis in June 2019. Vanquis approved the application and gave ... (2 pages)View decision -
Decision Reference DRN-4905423
23 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4905423 The complaint Mr B complains that Vanquis Bank Limited lent to him in an irresponsible manner. What happened Mr B has been assisted in making his complaint by a firm of solicitors. But in this decision, for ease, I will generally refer to all communication as if it has been... (3 pages)View decision -
Decision Reference DRN-4543198
23 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4543198 The complaint Mrs K has complained that Vanquis Bank Limited treated her unfairly and blocked her account. Mrs K has at times been represented in bringing her complaint. But for clarity. I’ll refer to all submissions made on her behalf as having been made by her directly. Wh... (2 pages)View decision -
Decision Reference DRN-4884349
23 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4884349 The complaint Mr B complains that Vanquis Bank Limited wrongly defaulted his account, that it has a call centre in South Africa and its call handlers are not properly trained. What happened Mr B has an account with Vanquis and payments were made by direct debit. In early 202... (2 pages)View decision
