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
-
Decision Reference DRN-5061750
25 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5061750 The complaint Mr G complains that Vanquis Bank Limited lent to him irresponsibly. What happened Mr G applied for a credit card with Vanquis in January 2013. Vanquis approved the application and gave Mr G a credit card with an initial credit limit of £500. The credit limit wa... (3 pages)View decision -
Decision Reference DRN-5066356
22 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5066356 The complaint Mr C complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr C applied for a credit card with Vanquis in January 2020. In his application, Mr C said he was living with his parents with no housing cos... (2 pages)View decision -
Decision Reference DRN-5088317
21 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5088317 The complaint Miss T complains that Vanquis Bank Limited trading as Vanquis (Vanquis) lent to her irresponsibly. What happened In February 2023, Vanquis agreed to provide a credit card to Miss T with a limit of £1,000. Miss T complains that the firm couldn’t have completed t... (3 pages)View decision -
Decision Reference DRN-4845330
21 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4845330 The complaint Mr M has complained that Vanquis Bank Limited is holding him liable for a debt which he says was taken out fraudulently in his name. What happened In September 2023, a credit card account was opened with Vanquis in Mr M’s name. The card was used for rapid cash ... (3 pages)View decision -
Decision Reference DRN-5072306
18 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5072306 The complaint Miss K says Vanquis Bank Limited irresponsibly lent to her. What happened Miss K took out a credit card from Vanquis in November 2021.She was given a £250 credit limit. The account defaulted in June 2022. Miss K says defaulting on this account has had significa... (3 pages)View decision -
Decision Reference DRN-4999688
18 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4999688 The complaint Mr F complains that Vanquis Bank Limited (“Vanquis”) failed to properly administer a new account opening, allowing a fraudster to use his details which negatively affected his credit standing. What happened In late 2023, Mr F became aware that a new credit acco... (3 pages)View decision -
Decision Reference DRN-5088638
17 Oct 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-5088638 The complaint Mrs B says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs B took out a loan for £4,000 over 48 months on 16 February 2023. The monthly repayments were £117.84 and the total repayable was £5,656.32. Mrs B says Vanquis should have never allowe... (3 pages)View decision -
Decision Reference DRN-5079948
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5079948 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B took out a credit card from Vanquis on 20 July 2016. He was given a credit limit of £250. This was increased to £750 in February 2017, to £1,750 in October 2... (3 pages)View decision -
Decision Reference DRN-5044125
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5044125 The complaint Mrs S complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and fees charged on her account refunded along with statutory interest. Mrs S is represented by a third party but for ease of reference I have referred to ... (2 pages)View decision -
Decision Reference DRN-4937033
17 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4937033 The complaint Miss M complains that Vanquis Bank Limited gave her incorrect information about a new credit card being sent to her. What happened Miss M says that on 27 February 2024, two transactions had debited her account, and then re-credited her account later that day. S... (2 pages)View decision
