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-5070669
16 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5070669 The complaint Mr R complains that Vanquis Bank Limited irresponsibly agreed credit for him. What happened Vanquis opened a credit card account for Mr R in February 2019 with a £1,000 credit limit. Mr R didn’t meet his repayments and the account was passed to a third party d... (5 pages)View decision -
Decision Reference DRN-5060451
15 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5060451 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened Miss D applied for a credit card with Vanquis in January 2022. Vanquis approved the application and gave Miss D a credit card with an initial credit limit of £1000. In May 2022 ... (3 pages)View decision -
Decision Reference DRN-5076958
15 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5076958 The complaint Ms G says Vanquis Bank Limited irresponsibly lent to her. What happened Ms G took out a credit card from Vanquis in December 2018. She was given a credit limit of £1,000. This was increased as set out below. credit limit increase date value, £ 1 04/04/2019 £1,5... (4 pages)View decision -
Decision Reference DRN-5054947
11 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5054947 The complaint Mr N complains that Vanquis Bank Limited lent to him irresponsibly. What happened Mr N applied for a credit card with Vanquis in April 2019. Vanquis approved the application and gave Mr N a credit card with an initial credit limit of £1000. There were no furthe... (2 pages)View decision -
Decision Reference DRN-5042853
10 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5042853 The complaint Mr M complains that Vanquis Bank didn’t freeze the interest and charges on his account, as it had agreed to, and that it then reduced his credit limit and told him that his credit rating would be affected. What happened Mr M phoned Vanquis Bank in October 2023 ... (3 pages)View decision -
Decision Reference DRN-5071813
9 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5071813 The complaint Mrs V complains Vanquis Bank Limited allowed fraudsters to take over her credit card account and make disputed transactions. Mrs V complains that this has caused her a lot of distress and inconvenience – she wants her account closed. What happened Mrs V has a c... (3 pages)View decision -
Decision Reference DRN-5036659
9 Oct 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-5036659 The complaint Mr V complains that Vanquis Bank Limited (Vanquis) hasn’t refunding money owing to him when he settled his account. He would like the overpayment refunded and compensation for the distress and inconvenience. What happened The details of this complaint are well... (2 pages)View decision -
Decision Reference DRN-5036087
8 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5036087 Complaint Mr M has complained about a credit card that 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 March 2024, Vanquis provided Mr M with... (3 pages)View decision -
Decision Reference DRN-5049811
7 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5049811 The complaint Miss F complains that Vanquis Bank Limited has recorded a default on her credit file and that it gave her incorrect information. What happened Miss F contacted Vanquis Bank about her credit card account in August 2023 because she was experiencing financial diff... (3 pages)View decision -
Decision Reference DRN-5066549
7 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5066549 The complaint Miss Y complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In November 2017 Miss Y applied for a credit card with Vanquis. In her application, Miss Y said she w... (4 pages)View decision
