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-3594225
5 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3594225 The complaint Mr K complained because Vanquis Bank Limited didn’t agree that someone had fraudulently opened an account in his name. What happened On 11 July 2021, a Vanquis credit card was opened using Mr K’s details. The card was used later in July for two transactions, one ... (3 pages)View decision -
Decision Reference DRN-3477226
5 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3477226 The complaint Ms B complains that Vanquis Bank Limited failed to provide her with a replacement card, blocked her from using its App, unfairly recorded adverse information about her account with credit reference agencies and provided poor service. What happened Ms B had a credi... (5 pages)View decision -
Decision Reference DRN-3429866
1 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3429866 The complaint Mr Q complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr Q says he opened a Vanquis account in 2017. He says he had applied in the previous 12 months for various loans and took out a ... (2 pages)View decision -
Decision Reference DRN-3458521
31 Jul 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3458521 The complaint Mr K complains Vanquis Bank Limited (Vanquis) unfairly chased him for payments on his credit card account whilst on a payment holiday and marked his credit file. What happened Mr K says he contacted Vanquis in June 2020 following an agreed three-month Covid paymen... (3 pages)View decision -
Decision Reference DRN-3463288
13 Jul 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3463288 The complaint Miss W wants Vanquis Bank Limited to remove a missed payment marker from her credit file. What happened On 23 October 2021 Miss W sent a cheque to Vanquis to pay her account. Vanquis didn’t receive the cheque and so applied a late fee of £12. Miss W rang to find o... (2 pages)View decision -
Decision Reference DRN-3564755
8 Jul 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3564755 The complaint Miss O, who is represented by a third party, complains that Vanquis Bank Limited (“Vanquis”) irresponsibly granted her a credit card she couldn’t afford to repay. What happened In September 2018 Miss O entered into an agreement with Vanquis to have access to credi... (3 pages)View decision -
Decision Reference DRN-3482879
6 Jul 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3482879 The complaint Miss T complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 23 March 2017, Miss T applied for a credit card account with Vanquis. She was given an initial credit limit of £1000. The... (2 pages)View decision -
Decision Reference DRN-3561431
24 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3561431 The complaint Ms M says Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened This complaint is about a credit card Vanquis provided. Our adjudicator upheld Ms M’s complaint, as it believed the lending was unaffordable. Vanquis asked for some evidence from u... (2 pages)View decision -
Decision Reference DRN-3502385
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3502385 The complaint Ms G complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Ms G applied for a credit card with Vanquis in November 2016. She was accepted and given a credit limit of £250. Her credit limit was increased in January 2018 to £1,000.... (2 pages)View decision -
Decision Reference DRN-3424327
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3424327 The complaint Mrs L complains that Vanquis Bank Limited lent to her irresponsibly. What happened Vanquis approved Mrs L’s credit card application with a credit limit of £1,000 in June 2018. The credit limit hasn’t been increased. Mrs L says that Vanquis didn’t do enough checks ... (3 pages)View decision
