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-4855823
5 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4855823 Complaint Mr G 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 October 2017, Vanquis provided Mr G with a credi... (2 pages)View decision -
Decision Reference DRN-4820523
2 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4820523 The complaint Miss S complains that Vanquis Bank Limited unfairly registered a default on her credit file. What happened Miss S says she emailed Vanquis to let them know that she had moved address and she was struggling with her repayments. She says she’d been in hospital for a... (3 pages)View decision -
Decision Reference DRN-4857207
1 Jul 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4857207 The complaint Mr B complains that Vanquis Bank Limited irresponsibly provided him with credit. What happened Vanquis opened a credit card account for Mr B in January 2021 with a £1,000 credit limit. It increased the limit to £2,000 in June 2021. Mr B complained to Vanquis in Ma... (3 pages)View decision -
Decision Reference DRN-4777463
30 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4777463 The complaint Ms S complains that Vanquis Bank Limited agreed a repayment plan with her but then defaulted her account and passed it to a debt recovery agency. What happened Ms S holds a credit card account with Vanquis. The account fell into arrears and Vanquis sent a Notice o... (2 pages)View decision -
Decision Reference DRN-4723119
28 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4723119 The complaint Mrs L complains that a balance transfer with Vanquis Bank Limited (“Vanquis”) went wrong and she’s been financially impacted. What happened In August 2023, Mrs L applied for a balance transfer of £1,922.82 from Vanquis. She was eligible for a promotional rate of s... (3 pages)View decision -
Decision Reference DRN-4875062
27 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4875062 The complaint Miss S complains that Vanquis used a correspondence address without her consent and she takes issue with the way that Vanquis managed her account and handled her complaint. What happened In June 2023 Miss S contacted Vanquis to complain about correspondence it was... (5 pages)View decision -
Decision Reference DRN-4862929
27 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4862929 The complaint Ms R complains that Vanquis Bank Limited lent irresponsible when it approved her credit card application. What happened In February 2020 Ms R applied for a credit card with Vanquis. In her application, Ms R said she was employed with a monthly income of £1,987 and... (3 pages)View decision -
Decision Reference DRN-4688942
26 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4688942 The complaint Mr M has complained about a number of errors he feels Vanquis Bank Limited made regarding his account. What happened Mr M has an account with Vanquis. However, he’s raised a number of issues, specifically: incorrect details about when his next statement would be g... (2 pages)View decision -
Decision Reference DRN-4835428
26 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4835428 The complaint Mr S complains that Vanquis Bank Limited (“Vanquis”) unfairly registered a default on his credit file. What happened Mr S holds a credit card account with Vanquis. In March 2023 Mr S lost his job. He says he contacted Vanquis by telephone and made an arrangement t... (2 pages)View decision -
Decision Reference DRN-4857733
24 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4857733 The complaint Mr W, through a representative, complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr W applied for a credit card from Vanquis in June 2019. It gave him a £500 credit limit and increased this to £1,000 in December 2015; to £1,950 in July ... (3 pages)View decision
