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-4520628
5 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4520628 Complaint Mrs B has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card as well as the limit increase were irresponsibly provided. Background Vanquis provided Mrs B with a credit card with an initial limit of £250 in Februar... (3 pages)View decision -
Decision Reference DRN-4412482
3 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4412482 The complaint Mrs L complains that Vanquis Bank Limited didn’t provide her with the service it should have when she was experiencing financial difficulties and requested information through a Data Subject Access Request (DSAR). What happened Mrs L has explained she has experien... (3 pages)View decision -
Decision Reference DRN-4338268
20 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4338268 The complaint Mrs S complains that Vanquis Bank Limited placed a late payment marker on her credit file. What happened Mrs D holds a credit account with Vanquis. She noticed that a late payment marker had been placed on her credit file and contacted Vanquis to query this. Mrs S... (2 pages)View decision -
Decision Reference DRN-4409571
15 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4409571 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card application he made and later increased the credit limit on several occasions. What happened Mr W applied for a credit card with Vanquis in December 2016. In his application... (3 pages)View decision -
Decision Reference DRN-4511804
15 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4511804 The complaint Mr D complains about information recorded on his credit file by Vanquis Bank Limited after he raised a dispute. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr D has a credit card with V... (3 pages)View decision -
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
