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-5062231
4 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5062231 The complaint Mr O is complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing him with a credit card he couldn’t afford and then going on to increase the credit limit. What happened In December 2017, Mr O opened a credit card account with Va... (4 pages)View decision -
Decision Reference DRN-4989031
30 Sep 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4989031 The complaint Ms E complains that Vanquis Bank Limited mishandled a loan account she held with it when she tried to make a settlement payment. This resulted in a missed payment marker on Ms E’s credit file which she says is an error and she would like it removed. What happen... (3 pages)View decision -
Decision Reference DRN-5025351
24 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5025351 The complaint Miss R complains that Vanquis Bank Limited defaulted her account. What happened Miss R holds a credit card account with Vanquis. In June 2023 Vanquis sent letters to Miss R about the arrears on her account. It says it had no response from Miss R and no payments... (3 pages)View decision -
Decision Reference DRN-5013591
23 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5013591 The complaint Mrs P is unhappy with Vanquis Bank Limited’s terms and conditions on its 90 day savings account. What happened Mrs P contacted Vanquis about section 19 of its terms and conditions for her 90 day savings account. Mrs P had reviewed her various accounts and want... (4 pages)View decision -
Decision Reference DRN-5020422
16 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5020422 The complaint Mrs J says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs J applied for a credit card from Vanquis in February 2015. It gave her a £250 credit limit that it then increased four times - in June 2015 to £500, in December 2015 to £1,250, in Octo... (3 pages)View decision -
Decision Reference DRN-4793652
12 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4793652 The complaint Mr S has complained that Vanquis Bank Limited unfairly defaulted his account, even though he was keeping up his repayments to a debt collection agency, to whom the account had been passed. What happened Mr S had an account with Vanquis, but didn’t make his mont... (2 pages)View decision -
Decision Reference DRN-5017622
12 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5017622 The complaint Mr Y complains Vanquis Bank Limited irresponsibly lent to him. Mr Y is represented by a solicitors firm 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 Y himself. What happened Mr... (5 pages)View decision -
Decision Reference DRN-5013135
11 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5013135 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L opened a credit card account in August 2018, he was given a £500 limit. This was increased to £1,000 on 1 December 2018 and to £1,750 on 11 May 2019. He say... (3 pages)View decision -
Decision Reference DRN-4973433
10 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4973433 The complaint Mr J complains that Vanquis Bank Limited lent irresponsibly when it approved his application for a credit card and later increased the credit limit. What happened Mr J applied for a credit card with Vanquis in March 2017. Vanquis approved the application and ga... (3 pages)View decision -
Decision Reference DRN-5002718
9 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5002718 The complaint Mr B is being represented by a claims manager. He’s complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing a credit card he couldn’t afford and subsequently increasing the credit limit. What happened Mr B has a credit card acc... (4 pages)View decision
