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 1175 results
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Decision Reference DRN-4722149
11 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4722149 The complaint Ms N complains that Vanquis Bank Limited unfairly defaulted her credit card account. What happened Ms N fell behind with her monthly payments to her credit card account. She contacted Vanquis on 26 August 2021 and it offered her a breathing space for one month. Sh... (2 pages)View decision -
Decision Reference DRN-4811033
6 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4811033 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. Mr H is supported in bringing his complaint by a representative but for ease I’ll refer to Mr H throughout. What happened Vanquis provided Mr H with a credit card i... (3 pages)View decision -
Decision Reference DRN-4808091
3 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4808091 The complaint Miss S complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card application she made and later increased her credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decisi... (3 pages)View decision -
Decision Reference DRN-4803420
30 May 2024 Vanquis Bank Limited Not upheldInvestmentsDRN-4803420 The complaint Mr C complains Vanquis Bank Limited has made it unreasonably difficult for him to amend his contact details with respect to the savings he holds with the bank. What happened Mr C holds fixed-term savings products with Vanquis. In late 2023, he began experiencing i... (3 pages)View decision -
Decision Reference DRN-4804627
28 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4804627 The complaint Mr K, via a third party, complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly in providing him with a credit card. What happened In May 2015 Vanquis provided Mr K with a credit card with a credit limit of £150. This credit limit was never increased ... (2 pages)View decision -
Decision Reference DRN-4812507
24 May 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4812507 The complaint Miss H says Vanquis Bank Limited irresponsibly lent to her. What happened Miss H applied for a credit card from Vanquis in July 2018. Her application was accepted and Vanquis gave her a £1,000 credit limit. It increased this to £2,500 in October 2019 and to £3,750... (3 pages)View decision -
Decision Reference DRN-4805244
23 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4805244 The complaint Mr A complains that Vanquis Bank Limited was irresponsible in its lending to him. Mr A is represented by a third party but for ease of reference I have referred to Mr A throughout this decision. What happened Mr A was provided with a credit card with a credit limi... (4 pages)View decision -
Decision Reference DRN-4787164
23 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4787164 Complaint Mrs K has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card as well as the limit increase were irresponsibly provided. Background Vanquis provided Mrs K with a credit card with an initial limit of £250 in May 2022. M... (3 pages)View decision -
Decision Reference DRN-4795003
21 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4795003 The complaint Mr D feels that Vanquis Bank Limited provided him with new and existing credit which he couldn’t afford. What happened In July 2016, Mr D successfully applied to Vanquis for a credit account, and he received a credit card from Vanquis with an initial credit limit ... (4 pages)View decision -
Decision Reference DRN-4795273
15 May 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4795273 The complaint Mr R says Vanquis Bank Limited lent to him irresponsibly. What happened This complaint relates to a loan Vanquis agreed for Mr R. But in order to explain my decision, I also need to refer to his credit card account with Vanquis which has been the subject of a simi... (3 pages)View decision
