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-4745698
25 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4745698 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly. What happened Mr B applied for a credit card with Vanquis in May 2015. He was accepted and given a credit limit of £500 which was increased several times over the next two years or so ... (3 pages)View decision -
Decision Reference DRN-4649949
24 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4649949 The complaint Mr C complains about Vanquis Bank Limited not giving him interest free purchases after he opened a credit card account with them. What happened Mr C applied for a credit card with Vanquis and thought he’d taken up a promotional offer of 9 months interest free on p... (2 pages)View decision -
Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN-4749818
19 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4749818 The complaint Mr L complains Vanquis Bank Limited (“Vanquis”) has failed to honour a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”) in relation to dental treatment he had carried out abroad. What happened I issued a provisional decision on Mr L’s comp... (12 pages)View decision -
Decision Reference DRN-4718406
17 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4718406 The complaint Mr F, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr F applied, and was accepted, for two credit cards from Vanquis. He received a number of limit increases on card 1. A summary of the lending is set out below. card... (3 pages)View decision -
Decision Reference DRN-4600112
11 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4600112 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In March 2019 Miss M applied for a credit card with Vanquis. In her application, Miss M said she was empl... (3 pages)View decision -
Decision Reference DRN-4708953
8 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4708953 The complaint Mrs W says that Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. What ... (2 pages)View decision -
Decision Reference DRN-4488843
28 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4488843 The complaint Mr U complains that Vanquis Bank Limited (“Vanquis”) closed his credit card account whilst he was abroad. What happened Mr U held a credit card account with Vanquis Bank Limited. Mr U was on holiday for an extended period of time between February – July 2023. When... (2 pages)View decision -
Decision Reference DRN-4688968
28 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4688968 The complaint Mr R says Vanquis Bank Limited unfairly recorded a default on his credit file in relation to a missed payment to his credit card account. What happened Briefly, Mr R missed a payment to his account while he was abroad. Vanquis tried to contact him to bring his acc... (2 pages)View decision -
Decision Reference DRN-4523275
27 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4523275 The complaint Miss M complains that Vanquis Bank Limited sold her debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’ve con... (2 pages)View decision
