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-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 -
Decision Reference DRN-4998760
7 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4998760 The complaint Mr J complains Vanquis Bank Limited (“Vanquis”) only asked him to provide source of wealth information once he’d deposited funds in his new savings account. Mr J says Vanquis should have made it clear that it required this from the application stage. Mr J is al... (5 pages)View decision -
Decision Reference DRN-5004103
6 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5004103 The complaint Mr G complains that Vanquis Bank Limited (“Vanquis”) sent his new credit card and other documents to the wrong address, which led to fraudulent activity on his account and fraudulent credit applications being made in his name. What happened Mr G holds a credi... (3 pages)View decision -
Decision Reference DRN-4994260
5 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994260 The complaint Mr T complains that Vanquis Bank Limited acted irresponsibly in its lending to him. Mr T is represented by a third party but for ease of reference I have referred to Mr T throughout this decision. What happened Mr T was provided with a Vanquis credit card in Ap... (3 pages)View decision -
Decision Reference DRN-4994428
3 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994428 The complaint Mr M says Vanquis Bank Limited irresponsible lent to him. What happened Mr M took out a credit card from Vanquis on 25 March 2024. He was given a £600 credit limit. He says he was given this credit card during a difficult time in his life when he had a gambling... (2 pages)View decision -
Decision Reference DRN-4971454
2 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4971454 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) didn’t credit his account with a balance transfer of £3,000. What happened On 1 December 2023, Mr S set up a balance transfer for £3,000 from another bank credit card (which I will call ‘bank A’). The credit wa... (3 pages)View decision -
Decision Reference DRN-4871202
2 Sep 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4871202 The complaint Miss J complains that Vanquis Bank Limited unfairly defaulted a credit card account she held with it and reported this to the credit reference agencies. What happened Miss J held a credit card account with Vanquis. Due to changes in her financial situation Miss... (3 pages)View decision -
Decision Reference DRN-4867456
30 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4867456 The complaint Miss K complains Vanquis Bank Limited (“Vanquis”) chased her for money on an outstanding debt and recorded adverse information on her credit file, when she believed the loan had been paid off. What happened Miss K has raised many complaint points in response t... (2 pages)View decision -
Decision Reference DRN-4623859
27 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4623859 The complaint Mr U complains that Vanquis Bank Limited didn’t explain how a payment arrangement on his credit card account would be recorded on his credit file. What happened Mr U holds a credit card account with Vanquis. In January 2023 he told Vanquis he would be unable to... (3 pages)View decision
