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-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 -
Decision Reference DRN-4410710
27 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4410710 The complaint Mr U complains that he was misled into buying a timeshare product. Because his purchase was financed with payments from his credit card, issued by Vanquis Bank Limited, he says that he has a claim against it in the same way as against the seller. Mr U has been rep... (3 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision -
Decision Reference DRN-4352259
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4352259 The complaint Miss I complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss I applied for a credit card from Vanquis in March 2023. It gave her a £1,000 credit limit. Miss I says Vanquis asked for very little information about her circumstances and it... (2 pages)View decision -
Decision Reference DRN-4387258
6 Oct 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4387258 The complaint Mr J is unhappy that Vanquis Bank Limited are reporting query markers to his credit file. What happened Mr J felt Vanquis were incorrectly reporting the balance of his account on his credit file and queried this with them. Vanquis placed query markers on Mr J’s cr... (2 pages)View decision -
Decision Reference DRN-4358308
28 Sep 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4358308 The complaint In summary, Mr L complains that his former credit card provider, Vanquis Bank Limited sold a debt he had with it to a third-party. He doesn’t have any confidence in the third-party company that now owns the debt or the company that is being used to manage the acco... (2 pages)View decision
