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-3777278
1 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3777278 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 20 February 2019, Mr A applied for and was given a credit card account with Vanquis. Mr A was given an initial credit limit ... (2 pages)View decision -
Decision Reference DRN-3752894
26 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3752894 The complaint Mr P complains about the Repayment Option Plan (ROP) that was sold alongside his Vanquis Bank Limited credit card. In summary, Mr P is unhappy as he says he was told that to get the credit card he would need to take out the ROP. And as Vanquis has now decided to d... (3 pages)View decision -
Decision Reference DRN-3727970
24 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3727970 The complaint Mr P complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 12 March 2019, Mr P applied for and was given a credit card account with Vanquis. Mr P was given an initial credit limit of ... (2 pages)View decision -
Decision Reference DRN-3723329
21 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3723329 The complaint Mr M complains that Vanquis Bank Limited irresponsibly granted him credit he couldn’t afford to repay. What happened Vanquis opened a credit card account for Mr M in April 2020. This type of credit was an open-ended or running account facility and the credit limit... (2 pages)View decision -
Decision Reference DRN-3623378
17 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3623378 The complaint Mr W complains that Vanquis Bank Limited made an error which led to adverse information being recorded on his credit file. What happened Mr W says that he last used his Vanquis credit card in October 2021, and he paid the balance off in November. As far as he was ... (3 pages)View decision -
Decision Reference DRN-3633528
4 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3633528 The complaint Miss B is complaining about a credit card provided to her by Vanquis Bank Limited, (“Vanquis”), which she said was irresponsibly provided to her. What happened Miss B was provided with a credit card by Vanquis in October 2017. She said Vanquis should never have al... (2 pages)View decision -
Decision Reference DRN-3476451
26 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3476451 The complaint Mr A complains Vanquis Bank limited (Vanquis) are putting him further in debt by applying interest and charges to his credit card account. What happened Mr A says despite having agreed payment plans with Vanquis , it continues to charge him interest and charges to... (3 pages)View decision -
Decision Reference DRN-3609297
23 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3609297 The complaint Miss C is unhappy that Vanquis Bank Limited didn’t default her account following the issuance of default notices to her. What happened Miss C took out a Vanquis credit account in 2011. In October 2014, Miss C fell into arrears on the account. Vanquis issued a noti... (3 pages)View decision -
Decision Reference DRN-3690542
22 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3690542 The complaint Miss S complains that Vanquis Bank Limited irresponsibly gave her a credit card she couldn’t afford to repay. What happened In July 2019, Miss S applied for a credit card with Vanquis. She was given a credit limit of £500. Miss S says she struggled to repay the cr... (2 pages)View decision -
Decision Reference DRN-3592212
20 Sep 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3592212 The complaint Mr F says Vanquis Bank Limited closed his account for an invalid reason. He then couldn’t make his repayments using the app and it unfairly reported his arrears to the credit reference agency(ies). What happened Vanquis wanted to do additional security checks on M... (3 pages)View decision
