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-4864976
22 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4864976 The complaint Mr G complains that Vanquis Bank Limited was irresponsible to lend to him. What happened Mr G was approved for a credit card with Vanquis on 22 September 2008, with subsequent credit limit increases as follows: Date Credit Limit 22 Sep 2008 £250 8 Jun 2009 £5... (2 pages)View decision -
Decision Reference DRN-4893610
22 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4893610 The complaint Miss H complains that Vanquis Bank Limited reported a default on her credit file. What happened Miss H holds a credit card account with Vanquis. In February 2023 she contacted Vanquis and reported a fraudulent transaction of £227 on her account. She told Vanqui... (2 pages)View decision -
Decision Reference DRN-4891593
19 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4891593 Complaint Miss S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card as well as the limit increase were irresponsibly provided. Background I understand that Miss S may have had two credit cards with Vanquis. For the sake... (3 pages)View decision -
Decision Reference DRN-4891637
16 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4891637 The complaint Miss H complained Vanquis Bank Limited (“Vanquis”) failed to refund her for a transaction on her account that she says was unauthorised. What happened Miss H complained to Vanquis about a transaction on her account which she says she didn’t authorise. She conta... (2 pages)View decision -
Decision Reference DRN-4860459
16 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4860459 The complaint Mrs E complains that Vanquis Bank Limited hasn’t refunded a credit card transaction which she says she didn’t authorise. What happened The circumstances of this complaint are well known to both parties, so I won’t repeat them in detail again here. But I’ll pro... (3 pages)View decision -
Decision Reference DRN-4863519
9 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4863519 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him. Mr S 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 Mr S himself. What happened... (4 pages)View decision -
Decision Reference DRN-4866500
8 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4866500 The complaint Mrs M complains that Vanquis Bank Limited (“Vanquis”) didn’t action her request to reduce her monthly payment and change the payment date. She’s also unhappy that Vanquis wrote to her and advised her that her interest rate was increasing What happened Mrs M experi... (2 pages)View decision -
Decision Reference DRN-4855823
5 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4855823 Complaint Mr G 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 October 2017, Vanquis provided Mr G with a credi... (2 pages)View decision -
Decision Reference DRN-4820523
2 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4820523 The complaint Miss S complains that Vanquis Bank Limited unfairly registered a default on her credit file. What happened Miss S says she emailed Vanquis to let them know that she had moved address and she was struggling with her repayments. She says she’d been in hospital for a... (3 pages)View decision -
Decision Reference DRN-4857207
1 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4857207 The complaint Mr B complains that Vanquis Bank Limited irresponsibly provided him with credit. What happened Vanquis opened a credit card account for Mr B in January 2021 with a £1,000 credit limit. It increased the limit to £2,000 in June 2021. Mr B complained to Vanquis in Ma... (3 pages)View decision
