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-5197199
10 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5197199 The complaint Mr W complains about the actions Vanquis Bank Limited took when he entered into a repayment plan with it for his credit card account. What happened In October 2023, Mr W got in contact with Vanquis because he could no longer afford to make the minimum repaymen... (5 pages)View decision -
Decision Reference DRN-5141392
10 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5141392 Complaint Miss M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card was irresponsibly provided as it was unaffordable. Background Vanquis provided Miss M with a credit card with a limit of £500 in February 2019. One of... (3 pages)View decision -
Decision Reference DRN-5139386
9 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5139386 The complaint Mr A complains that Vanquis Bank Limited (“Vanquis”) registered a default on his account. He’s also unhappy that Vanquis failed to call him back as agreed. What happened Mr A holds an account with Vanquis. On 3 November 2023 his direct debit was returned unpaid... (6 pages)View decision -
Decision Reference DRN-5122932
9 Dec 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-5122932 The complaint Miss P complains that Vanquis Bank Limited (Vanquis) marked her credit file. What happened Miss P took out a loan for £2,500 from Vanquis in October 2017. Payments were £111.06 per month, over 36 months. In December 2019, she entered a debt management plan (DMP... (2 pages)View decision -
Decision Reference DRN-5161661
6 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5161661 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved two credit card applications he made. Mr H also complains Vanquis increased the credit limit on one of the credit cards. What happened Mr H applied for a credit card with Vanquis in S... (4 pages)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN-5191717
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5191717 The complaint Mr T, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr T took out a credit card in June 2021. He was given a £1,000 limit that was increased to £1,500 in November 2021. Mr T says his financial position was such tha... (2 pages)View decision -
Decision Reference DRN-5155545
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155545 The complaint Mr B complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr B applied for a credit card with Vanquis in January 2020. In his application, Mr B said he was employed with an income of £40,234 a year.... (2 pages)View decision -
Decision Reference DRN-5135119
4 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5135119 The complaint Mr G complains that Vanquis Bank Limited increased the interest rate applicable to his account. He’s also unhappy that when he contacted Vanquis and advised then that he’d lost the paperwork from when he took out the card and couldn’t recall what the interest r... (3 pages)View decision -
Decision Reference DRN-5160832
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5160832 Complaint Mr P has complained about a credit limit increase which Vanquis Bank Limited (“Vanquis”) provided to him on a credit card. He says that he shouldn’t have been offered the limit increase because of his credit score and it was applied to his card without him asking ... (3 pages)View decision
