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-4560599
7 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4560599 Complaint Mr D has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background Vanquis provided Mr D with a credit card with an initial li... (3 pages)View decision -
Decision Reference DRN-4552272
1 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4552272 The complaint Mr B has complained Vanquis Bank Limited opened a fraudulent account in his name without carrying out the necessary checks. What happened Mr B started receiving letters about a credit card debt from Vanquis, although he didn’t hold an account with them. The letter... (2 pages)View decision -
Decision Reference DRN-4438944
30 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4438944 The complaint Miss W says Vanquis Bank Limited (Vanquis) were unreasonable to report a default on her credit file and to change her address without her consent. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instea... (2 pages)View decision -
Decision Reference DRN-4430927
29 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4430927 The complaint Ms H complains that Vanquis Bank Limited (“Vanquis”) reported a “Q” marker to the credit reference agencies when she raised a dispute about a transaction she didn’t recognise. The dispute was resolved in Ms H’s favour, but the Q marker is still showing on her cred... (2 pages)View decision -
Decision Reference DRN-4416428
25 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4416428 The complaint Mr M complains that Vanquis Bank Limited sold his account to a specialist debt management company without informing him that this was going to happen. What happened Mr M opened an account with Vanquis in March 2017. In June 2021 Mr M contacted Vanquis to advise th... (3 pages)View decision -
Decision Reference DRN-4577366
24 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4577366 The complaint Miss D says Vanquis Bank Limited irresponsibly lent to her. What happened Miss D applied for a credit card in August 2020. It was approved with a limit of £500 and she was given two subsequent credit limit increases. The first was in August 2021 to £850 and the se... (3 pages)View decision -
Decision Reference DRN-4437015
18 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4437015 The complaint Mr A complains that Vanquis Bank Limited lent irresponsibly when it increased the credit limit on his credit card. What happened Mr A applied for a credit card with Vanquis Bank in April 2013. In his application, Mr A said he was employed with an income of £30,000... (3 pages)View decision -
Decision Reference DRN-4505230
12 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4505230 The complaint Mr G complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr G says that Vanquis provided him with a credit limit of £500 and he incurred fees for late payments and going over his limit. He says this shows the lending was irre... (2 pages)View decision -
Decision Reference DRN-4514283
12 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4514283 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr W applied for a Vanquis credit card in April 2019. The initial credit limit provided was £1,000. Mr W’s credit limit was then increased on five occasions resulting i... (2 pages)View decision -
Decision Reference DRN-4440346
11 Jan 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4440346 The complaint Mr H complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 July 2022, Mr H asked for and was given a loan for £3,000 which had a term of two years. In 2023, Mr H complained to Vanquis to say that... (2 pages)View decision
