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
-
Decision Reference DRN-4928708
5 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4928708 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened In April 2022 Mr M applied for a credit card with Vanquis. In his application, Mr M said he was employed full time with an income of £20,000... (3 pages)View decision -
Decision Reference DRN-4929123
4 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4929123 The complaint Mr A is unhappy that Vanquis Bank Limited applied interest and charges to his account and recorded a default on his credit file. What happened Mr A holds a credit card account with Vanquis. In December 2022 Mr A called Vanquis and requested to make reduced paym... (4 pages)View decision -
Decision Reference DRN-4875242
2 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4875242 The complaint Mr H complains that Vanquis Bank Limited was irresponsible when it offered him a credit card account. What happened Vanquis opened a credit card account for Mr H in February 2018 with a credit limit of £250. Mr H had difficulty meeting his repayments and the a... (3 pages)View decision -
Decision Reference DRN-4895383
2 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4895383 The complaint Mr H has complained that Vanquis Bank Limited (“Vanquis”), irresponsibly granted him a credit card account, which he couldn’t afford to repay. What happened Mr H took out a credit card with Vanquis in January 2013, with an initial credit limit of £500. There ... (3 pages)View decision -
Decision Reference DRN-4909847
2 Aug 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4909847 The complaint Mrs H complains that Vanquis Bank Limited irresponsibly lent to her. Mrs H 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 Mrs H herself. What hap... (3 pages)View decision -
Decision Reference DRN-4871595
2 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4871595 The complaint Ms W complains that Vanquis Bank Limited irresponsibly lent to her. Ms W 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 W herself. What happen... (3 pages)View decision -
Decision Reference DRN-4942056
1 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4942056 The complaint Miss L complains that Vanquis Bank Limited lent to her in an irresponsible manner. What happened Miss L applied for, and was granted, a credit card by Vanquis in April 2018. She has subsequently had her credit limit raised five times, from its original value of... (3 pages)View decision -
Decision Reference DRN-4903130
30 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4903130 The complaint Ms C complains about a credit card account she had with Vanquis Bank Limited. More specifically, I understand Ms C is unhappy about the sale of the policy to her and because she says she never received the benefits from the Repayment Option Plan (ROP) product o... (2 pages)View decision -
Decision Reference DRN-4913143
26 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4913143 Complaint Miss B has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card as well as the limit increases were irresponsibly provided. Background Vanquis provided Miss B with a credit card with an initial limit of £500 in May ... (3 pages)View decision -
Decision Reference DRN-4895502
24 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4895502 The complaint Mr P complains that Vanquis Bank Limited lento him irresponsibly. He’s also unhappy that the account has been defaulted and sold to a third party. What happened Mr P applied for a credit card with Vanquis in June 2019. Vanquis approved the application and gave ... (2 pages)View decision
