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 1218 results
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Decision Reference DRN-4503481
13 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4503481 The complaint Miss N complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Miss N applied for a credit card with Vanquis in June 2018. She was accepted and given a credit limit of £500 which was increased in October 2018 to £1,000. In January ... (3 pages)View decision -
Decision Reference DRN-4507003
13 Dec 2023 Vanquis Bank Limited UpheldConsumer CreditDRN-4507003 Complaint Mr M has complained about a personal loan Vanquis Bank Limited (“Vanquis”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Vanquis provided Mr M with a loan for £1,500.00 in March 2023. This loan had an APR of... (4 pages)View decision -
Decision Reference DRN-4263551
12 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4263551 The complaint Mr H complains Vanquis Bank Limited sold his credit card account to a debt collection agent (who I’ll refer to as L) without telling him. What happened As a result of problems in Mr H’s industry he unfortunately found himself in financial difficulties for some tim... (2 pages)View decision -
Decision Reference DRN-4128578
9 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4128578 The complaint Miss A complains that Vanquis Bank Limited have unfairly applied a default to her credit card account. What happened Miss A had a credit card account with Vanquis. Miss A said she was struggling to make her repayments and had incurred late and over the limit payme... (3 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN-4274580
27 Nov 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4274580 The complaint Mr C says that Vanquis Bank Limited, who I’ll call Vanquis, were unreasonable to reject a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so I won’t ... (2 pages)View decision -
Decision Reference DRN-4195971
20 Nov 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4195971 The complaint Mr O complains that Vanquis Bank Limited defaulted his account without warning him. What happened Mr O had a credit card with Vanquis. In 2021 he moved house. In December 2022 Vanquis defaulted his account. There is a dispute about whether Vanquis ever sent him a ... (2 pages)View decision -
Decision Reference DRN-4444219
8 Nov 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4444219 The complaint Miss M, through a representative, says Vanquis Bank Limited irresponsibly lent to her. What happened Miss M took out a credit card in September 2017 with a £250 limit. Vanquis increased this to £500 in February 2018, then to £1,250 in July 2018 and to £2,250 in Ma... (3 pages)View decision -
Decision Reference DRN-4392411
8 Nov 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4392411 Complaint Miss H has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card as well as the limit increase were irresponsibly provided. Background Vanquis provided Miss H with a credit card with an initial limit of £250 in December ... (3 pages)View decision -
Decision Reference DRN-4339102
30 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4339102 Complaint Mrs P has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the limit on the credit card was irresponsibly increased after she had just had her daughter and was only receiving maternity allowance. Background Vanquis provided Mrs... (3 pages)View decision
