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-3806029
19 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3806029 The complaint Ms E complains that Vanquis Bank Limited closed her credit card and recorded a default on her credit file. Ms E also complains that her credit limit was never increased after she opened the account. What happened Ms E opened a credit card with Vanquis in 2015. The... (2 pages)View decision -
Decision Reference DRN-3668196
17 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3668196 The complaint Miss O complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Miss O applied for a credit card with Vanquis in May 2020. She was accepted and given a credit limit of £1,000 which was never increased. Miss O says that Vanquis shoul... (2 pages)View decision -
Decision Reference DRN-3881261
16 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3881261 The complaint Mr L complains that Vanquis Bank Limited was irresponsible to approve his credit card application. What happened Mr L applied for a Vanquis credit card in February 2019 and his application was approved with a £1,000 credit limit on the card. Mr L says he shouldn’t... (4 pages)View decision -
Decision Reference DRN-3893493
11 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3893493 The complaint Mr H says Vanquis Bank Limited (‘Vanquis’) irresponsibly lent to him. What happened This complaint is about a credit card account Vanquis provided. The account was opened in April 2014. Mr H was given an initial credit limit of £500. This limit was increased on 11... (3 pages)View decision -
Decision Reference DRN-3656269
9 Jan 2023 Vanquis Bank Limited Not upheldConsumer CreditDRN-3656269 The complaint Mr A complains that he settled his loan from Vanquis Bank Limited (Vanquis), but there was a balance outstanding. What happened Mr A borrowed £3,000 from Vanquis in January 2020. Monthly repayments were £147.47 – 36 payments. The total amount to be repaid was £5,3... (3 pages)View decision -
Decision Reference DRN-3878312
3 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3878312 The complaint Ms S complains that Vanquis Bank Limited (“VBL”) refused to meet her claim under Section 75 of the Consumer Credit Act 1974 (“Section 75”). She also complains that it took too long to deal with matters and acted incorrectly in relation to interest on her account. ... (6 pages)View decision -
Decision Reference DRN-3626187
19 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3626187 The complaint Mr C is unhappy with the way Vanquis Bank Limited (‘Vanquis’) handled his claim for a refund of a payment he made using his credit card account. What happened In July 2020, Mr C used his Vanquis credit card account to pay a travel agent I’ll call ‘T’ £570 for ret... (3 pages)View decision -
Decision Reference DRN-3836748
19 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3836748 The complaint Mr W is unhappy that Vanquis Bank Limited returned a reimbursement from a vendor back to the vendor rather than allowing it to be credited to his Vanquis credit account. Mr W is also unhappy that Vanquis placed a block on his account because of the disputed reimbu... (7 pages)View decision -
Decision Reference DRN-3746728
12 Dec 2022 Vanquis Bank Limited Not upheldConsumer CreditDRN-3746728 The complaint Mr O complains that Vanquis Bank Limited misinformed him about making overpayments on his loan. What happened In March 2020, Mr O took out a loan with Vanquis and says, that around this time, he had a discussion with a Vanquis representative about paying larger mo... (2 pages)View decision -
Decision Reference DRN-3748791
8 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3748791 The complaint Mr S complains Vanquis Bank Limited (Vanquis) provided him with poor service following his report of a disputed transaction. What happened Mr S contacted Vanquis on 7 December 2021 to report a disputed transaction. Mr S was informed his card would be cancelled and... (3 pages)View decision
