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-4600112
11 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4600112 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In March 2019 Miss M applied for a credit card with Vanquis. In her application, Miss M said she was empl... (3 pages)View decision -
Decision Reference DRN-4708953
8 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4708953 The complaint Mrs W says that Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. What ... (2 pages)View decision -
Decision Reference DRN-4488843
28 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4488843 The complaint Mr U complains that Vanquis Bank Limited (“Vanquis”) closed his credit card account whilst he was abroad. What happened Mr U held a credit card account with Vanquis Bank Limited. Mr U was on holiday for an extended period of time between February – July 2023. When... (2 pages)View decision -
Decision Reference DRN-4688968
28 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4688968 The complaint Mr R says Vanquis Bank Limited unfairly recorded a default on his credit file in relation to a missed payment to his credit card account. What happened Briefly, Mr R missed a payment to his account while he was abroad. Vanquis tried to contact him to bring his acc... (2 pages)View decision -
Decision Reference DRN-4523275
27 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4523275 The complaint Miss M complains that Vanquis Bank Limited sold her debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’ve con... (2 pages)View decision -
Decision Reference DRN-4706265
27 Mar 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4706265 The complaint Mr O complains that Vanquis Bank Limited has mishandled his account for a credit card that he holds with it and has unfairly added interest and charges to the balance. What happened Mr O held a credit card account with Vanquis. Due to a change in his financial cir... (4 pages)View decision -
Decision Reference DRN-4603898
26 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603898 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss B applied for a credit card from Vanquis in February 2019. It gave her a £1,000 credit limit and increased this to £1,750 in June 2021, to £2,500 in July 2022, to £3,500 in No... (3 pages)View decision -
Decision Reference DRN-4572521
14 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4572521 The complaint Miss B complains about the way Vanquis Bank Limited applied interest and charges to her account. She’s also unhappy that a block was placed on her account. What happened Miss B complained to Vanquis about the fees and charges applied to her account. She says the w... (2 pages)View decision -
Decision Reference DRN-4659184
11 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4659184 Complaint Ms M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided her with a credit card when she was already struggling and which was unaffordable for her. Background This complaint is about a credit card Vanquis which initially provided to Ms M, cred... (3 pages)View decision -
Decision Reference DRN-4499274
6 Mar 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4499274 The complaint Mrs G about the service she received from Vanquis Bank Limited when she requested to close her account. What happened Mrs G contacted Vanquis to pay off her balance and close her account. She paid the balance and asked Vanquis to confirm the closure in writing onc... (3 pages)View decision
