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-3958370
10 Jul 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3958370 The complaint Mr M complains that Vanquis Bank Limited unfairly registered missed payments on his credit file after he thought his account was closed. What happened Mr M says that he has always been on time with his payments towards his Vanquis credit card and he logged into hi... (3 pages)View decision -
Decision Reference DRN-4029379
28 Jun 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4029379 The complaint Mrs C complains that Vanquis Bank Limited issued a default notice on her credit card account and passed the account onto a third party. What happened In mid-2021, Mrs C agreed a payment plan on her credit card with Vanquis and paid the required amount for six-mont... (2 pages)View decision -
Decision Reference DRN-4197401
19 Jun 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4197401 The complaint Ms W complains about a credit card account she has with Vanquis Bank Limited. She’s unhappy that she was never told that the Repayment Option Plan (ROP) would only allow a claim for a maximum of two years and she was never told that the ROP could be discontinued b... (4 pages)View decision -
Decision Reference DRN-4141393
5 Jun 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4141393 The complaint Miss P complains that Vanquis Bank Limited lent to her irresponsibly. What happened In October 2021 Miss P applied for a credit card with Vanquis. Vanquis approved the application and gave Miss P a card with an initial credit limit of £250. There were no further c... (2 pages)View decision -
Decision Reference DRN-4128222
31 May 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4128222 The complaint Mrs C complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In February 2013 Mrs C applied for a credit card with Vanquis. In the application, Mrs C said she was a te... (3 pages)View decision -
Decision Reference DRN-4074196
22 May 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4074196 The complaint Mr B has complained that Vanquis Bank Limited hasn’t refunded him for an oil radiator he bought from a third party, which he says is faulty. What happened Mr B bought an oil radiator, using his Vanquis credit card. He complained to Vanquis that it’s faulty, but it... (2 pages)View decision -
Decision Reference DRN-4095586
24 Apr 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4095586 The complaint Mr K complains about several service issues with Vanquis Bank Limited (Vanquis). What happened Mr K had a credit card from Vanquis. In October 2021, the balance was £3,454 and the limit was £3,500. Mr K ran into financial difficulty and in October 2021, Vanquis ag... (4 pages)View decision -
Decision Reference DRN-4062378
24 Apr 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4062378 The complaint Mr A is unhappy that a payment he made to Vanquis Bank Limited wasn’t credited to his account. What happened Mr A made a payment of £85 to his Vanquis credit account. But Vanquis didn’t credit the payment to his account, and two weeks later the amount was returned... (2 pages)View decision -
Decision Reference DRN-3883919
15 Mar 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3883919 The complaint Mrs S complains that Vanquis Bank Limited hasn’t refunded an amount she paid on her credit card for goods she didn’t receive. What happened Mrs S used her Vanquis credit card to purchase an item on-line in November 2021. She says she chased the merchant, but when ... (2 pages)View decision -
Decision Reference DRN-4019788
13 Mar 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4019788 The complaint Mr K has a credit card provided by Vanquis Bank Limited (“Vanquis”) and complains about the lender’s unfair registration of a default on his credit file and Vanquis’s actions following the default. What happened I don’t propose to detail here the full history of t... (4 pages)View decision
