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 1253 results
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Decision Reference DRN-5109289
28 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5109289 The complaint Mr L complains that Vanquis Bank Limited have irresponsibly lent to him. Mr L 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 L himself. What h... (5 pages)View decision -
Decision Reference DRN-5105357
28 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5105357 The complaint Ms C complains Vanquis Bank Limited (Vanquis) unfairly closed her two deposit accounts without paying her any interest, after she was unable to provide what she felt was unreasonable documentation evidencing the source of funds. What happened Ms C says she open... (3 pages)View decision -
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
