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-4839516
24 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4839516 Complaint Mr W has complained that Vanquis Bank Limited (trading as “Vanquis”) irresponsibly provided a credit card to him. Background In September 2019, Vanquis provided Mr W with a credit card which had a limit of £1,000.00. Mr W wasn’t provided with any credit limit increase... (2 pages)View decision -
Decision Reference DRN-4844243
21 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4844243 The complaint Miss S complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it gave her a credit card in August 2016, and subsequently increased her credit limit on six further occasions. What happened Miss S has been assisted in making her complaint by a firm... (4 pages)View decision -
Decision Reference DRN-4856114
19 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4856114 The complaint Mr M complains that Vanquis Bank Limited irresponsibly approved his credit card account application which was unaffordable. What happened Mr M says he opened a Vanquis credit card account. He says the lending was irresponsible and unaffordable. Mr M says Vanquis d... (2 pages)View decision -
Decision Reference DRN-4813852
19 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4813852 The complaint Miss K complains that Vanquis Bank Limited (“Vanquis”) provided her with credit that she couldn’t afford to repay. Miss K has been represented throughout this complaint but as she is the account holder I will refer only to her in this decision. What happened Vanqu... (2 pages)View decision -
Decision Reference DRN-4850935
18 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4850935 Complaint Mr R 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 September 2020, Vanquis provided Mr R with a cre... (3 pages)View decision -
Decision Reference DRN-4835947
13 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4835947 The complaint Mr F complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it approved his application for a new credit card. What happened Mr F has been assisted in making this complaint by a firm of solicitors. But in this decision, for ease, I will simply re... (3 pages)View decision -
Decision Reference DRN-4747559
12 Jun 2024 Vanquis Bank Limited Not upheldInvestmentsDRN-4747559 The complaint Mr C complains about the unsuccessful transfer of his savings by Vanquis Bank Limited trading as Vanquis Savings, referred to as ‘Vanquis’. To put things right, Mr C would like a refund of interest lost and payment for distress and inconvenience caused. What happe... (4 pages)View decision -
Decision Reference DRN-4848705
12 Jun 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4848705 The complaint Mrs S complains that Vanquis bank Limited was irresponsible when it offered her a credit card account and later increased her credit limit. What happened Vanquis opened a credit card account for Mrs S in April 2020 with a credit limit of £1,000. It increased her c... (4 pages)View decision -
Decision Reference DRN-4722149
11 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4722149 The complaint Ms N complains that Vanquis Bank Limited unfairly defaulted her credit card account. What happened Ms N fell behind with her monthly payments to her credit card account. She contacted Vanquis on 26 August 2021 and it offered her a breathing space for one month. Sh... (2 pages)View decision -
Decision Reference DRN-4811033
6 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4811033 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. Mr H is supported in bringing his complaint by a representative but for ease I’ll refer to Mr H throughout. What happened Vanquis provided Mr H with a credit card i... (3 pages)View decision
