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
-
Decision Reference DRN-4603180
7 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603180 The complaint Mr M complains that Vanquis Bank Limited initially offered him a credit limit increase and then declined it. What happened Mr M holds a credit card with Vanquis. In August 2023 Vanquis wrote to Mr M and offered him a credit limit increase to £4000. However, on 18 ... (2 pages)View decision -
Decision Reference DRN-4766766
2 May 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4766766 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B applied for a credit card from Vanquis in November 2018. It gave him a £500 credit limit that it then increased three times - in April 2019 to £1,250, in March ... (3 pages)View decision -
Decision Reference DRN-4720048
1 May 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4720048 The complaint Miss R complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and charges applied to her account refunded along with compensatory interest. She also wants compensation for the way her complaint has been handled and the ... (3 pages)View decision -
Decision Reference DRN-4716845
30 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4716845 The complaint Mr J complains that Vanquis Bank Limited (Vanquis)unfairly defaulted his account. He would like his account brough back from the debt recovery company, be allowed to make good the outstanding balance and the default marker removed from his credit file. What happ... (2 pages)View decision -
Decision Reference DRN-4741428
25 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4741428 The complaint Mr G complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr G opened a credit card account with Vanquis in September 2015. The limits were then increased as shown: Date Limit September 2015 (new card) £500 June 2017 £1,500 April ... (4 pages)View decision -
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
