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 1211 results
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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 -
Decision Reference DRN-4488413
4 Mar 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4488413 The complaint Mr D complains that Vanquis Bank Limited applied a default to his loan account after accepting the loan had been lent irresponsibly and after Mr D had maintained his payments on the agreed repayment plan. What happened Mr D was provided with a loan by Vanquis. He ... (3 pages)View decision -
Decision Reference DRN-4372249
1 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4372249 The complaint Miss M has complained about the way Vanquis Bank Limited dealt with her claim for money back in relation to a purchase she’d made using her credit card. What happened The circumstances of the complaint are well known to the parties, so I won’t go over everything a... (3 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN-4555708
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4555708 The complaint Mrs M complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Mrs M was approved for a credit card with Vanquis in November 2018. This was followed by four credit limit increases as follows: Date Credit Limit Initial Limit 6 Nov 2018 £1... (3 pages)View decision
