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-5065477
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5065477 Complaint Mrs C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Vanquis initially provided Mrs C with... (4 pages)View decision -
Decision Reference DRN-5131143
27 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5131143 The complaint Mr M is unhappy that Vanquis Bank Limited (‘Vanquis’) didn’t stop him from exceeding his credit card limit and took a long time dealing with his complaint. Mr M would like Vanquis to put something in place to stop their customers exceeding their credit limit. ... (3 pages)View decision -
Decision Reference DRN-5131944
27 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5131944 The complaint Ms W complains that Vanquis Bank Limited did not handle her claims properly in respect of an unsatisfactory holiday. What happened Ms W booked flights, a hotel, and a cruise with her Vanquis credit card. The payments were made separately, and she paid £1,502.89... (3 pages)View decision -
Decision Reference DRN-5133088
26 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5133088 The complaint Miss D complains Vanquis Bank Limited irresponsibly increased her credit limit to £1,000. What happened Miss D was approved for a Vanquis credit card with a £250 credit limit. The credit limit was increased to £1,000 in July 2018. Miss D says it was irresponsib... (2 pages)View decision -
Decision Reference DRN-5124694
21 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5124694 The complaint Ms V complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In July 2021 Ms V applied for a credit card with Vanquis. In her application, Ms V said she was self em... (3 pages)View decision -
Decision Reference DRN-5089759
18 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5089759 The complaint Ms C complains that Vanquis Bank Limited (Vanquis) were unreasonable to close her account and report adverse information to her credit file. She says they should allow her to re-open the account. What happened Ms C entered into a credit card agreement with Vanq... (2 pages)View decision -
Decision Reference DRN-5133107
18 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5133107 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 June 2010, Vanquis provided Mr C with a cre... (3 pages)View decision -
Decision Reference DRN-5078438
15 Nov 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5078438 The complaint Mr O complains that Vanquis Bank Limited irresponsibly lent to him. Mr O 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 O himself. W... (5 pages)View decision -
Decision Reference DRN-5104267
14 Nov 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-5104267 The complaint Ms P complains that Vanquis Bank Limited defaulted her account and sold her account to a debt collection company without telling her. What happened Ms P held a loan account with Vanquis. In November 2023 Miss P contacted Vanquis regarding her outstanding paymen... (3 pages)View decision -
Decision Reference DRN-5115650
14 Nov 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5115650 The complaint Mr M complains that Vanquis Bank Limited (‘Vanquis’) were wrong to suggest he’d asked to close his account. He says they made errors when dealing with his complaint about that issue. What happened Mr M complained to Vanquis that: They were wrong to suggest in... (2 pages)View decision
