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-4943160
23 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4943160 The complaint Ms R complains that Vanquis Bank Limited irresponsibly lent to her. Ms R 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 Ms R herself. What happen... (3 pages)View decision -
Decision Reference DRN-4949458
22 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4949458 The complaint Mrs W complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Mrs W was approved for a credit card with Vanquis in April 2014. This was followed by three credit limit increases as follows: Date Credit Limit Initial Limit 8 Apr 201... (3 pages)View decision -
Decision Reference DRN-4907731
21 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4907731 The complaint Mr S complains that Vanquis Bank Limited (trading as Chrome Card) was irresponsible to lend to him. What happened Mr S was approved for a credit card with Vanquis on 2 July 2019. The credit limit was £1,000 and this was never changed. Mr S says that when he a... (3 pages)View decision -
Decision Reference DRN-4747211
21 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4747211 The complaint Mr V complains that Vanquis Bank Limited applied unfair charges to his account. He doesn’t think the offer of compensation provided is sufficient. What happened Mr V made a payment overseas in sterling and says he was told that this wouldn’t incur any charges. ... (2 pages)View decision -
Decision Reference DRN-4796637
19 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4796637 The complaint Mrs P has complained that Vanquis Bank Limited’s (“Vanquis”) process to change the nominated account registered on her Vanquis account is inefficient and convoluted. What happened Mrs P says that she tried to change the nominated account registered on her Vanqu... (3 pages)View decision -
Decision Reference DRN-4963130
19 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4963130 The complaint Mrs P is being represented by solicitors. She’s complaining about Vanquis Bank Limited because she says it lent irresponsibly by providing her with a credit card she couldn’t afford. What happened In January 2011, Mrs P opened a credit card account with Vanquis... (3 pages)View decision -
Decision Reference DRN-4895645
14 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4895645 The complaint Miss P complains that Vanquis Bank Limited irresponsibly lent to her. Miss P 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 Miss P herself. What ... (3 pages)View decision -
Decision Reference DRN-4941300
9 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4941300 Complaint Mr S has complained about a credit card Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In March 2019, Vanquis provided Mr S with a cr... (3 pages)View decision -
Decision Reference DRN-4956137
8 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4956137 The complaint Mr A complains that Vanquis Bank Limited was irresponsible when it offered him a credit card account and later increased his credit limit. Mr A brought his complaint via a representative but I will refer to him throughout for simplicity. What happened Vanquis... (3 pages)View decision -
Decision Reference DRN-4909515
7 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4909515 The complaint Ms J complains that Vanquis Bank Limited (Vanquis) lent to her irresponsibly. What happened In July 2016, Ms J applied for a credit card from Vanquis. It was agreed and the firm then increased Ms J’s credit limit as shown: Date Limit July 2016 £500 (new account... (5 pages)View decision
