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
-
Decision Reference DRN-4777463
30 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4777463 The complaint Ms S complains that Vanquis Bank Limited agreed a repayment plan with her but then defaulted her account and passed it to a debt recovery agency. What happened Ms S holds a credit card account with Vanquis. The account fell into arrears and Vanquis sent a Notice o... (2 pages)View decision -
Decision Reference DRN-4723119
28 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4723119 The complaint Mrs L complains that a balance transfer with Vanquis Bank Limited (“Vanquis”) went wrong and she’s been financially impacted. What happened In August 2023, Mrs L applied for a balance transfer of £1,922.82 from Vanquis. She was eligible for a promotional rate of s... (3 pages)View decision -
Decision Reference DRN-4875062
27 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4875062 The complaint Miss S complains that Vanquis used a correspondence address without her consent and she takes issue with the way that Vanquis managed her account and handled her complaint. What happened In June 2023 Miss S contacted Vanquis to complain about correspondence it was... (5 pages)View decision -
Decision Reference DRN-4862929
27 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4862929 The complaint Ms R complains that Vanquis Bank Limited lent irresponsible when it approved her credit card application. What happened In February 2020 Ms R applied for a credit card with Vanquis. In her application, Ms R said she was employed with a monthly income of £1,987 and... (3 pages)View decision -
Decision Reference DRN-4688942
26 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4688942 The complaint Mr M has complained about a number of errors he feels Vanquis Bank Limited made regarding his account. What happened Mr M has an account with Vanquis. However, he’s raised a number of issues, specifically: incorrect details about when his next statement would be g... (2 pages)View decision -
Decision Reference DRN-4835428
26 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4835428 The complaint Mr S complains that Vanquis Bank Limited (“Vanquis”) unfairly registered a default on his credit file. What happened Mr S holds a credit card account with Vanquis. In March 2023 Mr S lost his job. He says he contacted Vanquis by telephone and made an arrangement t... (2 pages)View decision -
Decision Reference DRN-4857733
24 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4857733 The complaint Mr W, through a representative, complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr W applied for a credit card from Vanquis in June 2019. It gave him a £500 credit limit and increased this to £1,000 in December 2015; to £1,950 in July ... (3 pages)View decision -
Decision Reference DRN-4839516
24 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4839516 Complaint Mr W has complained that Vanquis Bank Limited (trading as “Vanquis”) irresponsibly provided a credit card to him. Background In September 2019, Vanquis provided Mr W with a credit card which had a limit of £1,000.00. Mr W wasn’t provided with any credit limit increase... (2 pages)View decision -
Decision Reference DRN-4844243
21 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4844243 The complaint Miss S complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it gave her a credit card in August 2016, and subsequently increased her credit limit on six further occasions. What happened Miss S has been assisted in making her complaint by a firm... (4 pages)View decision -
Decision Reference DRN-4856114
19 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4856114 The complaint Mr M complains that Vanquis Bank Limited irresponsibly approved his credit card account application which was unaffordable. What happened Mr M says he opened a Vanquis credit card account. He says the lending was irresponsible and unaffordable. Mr M says Vanquis d... (2 pages)View decision
