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-3437034
10 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3437034 The complaint Miss W complains that Vanquis Bank Limited irresponsibly gave her a credit card that she couldn’t afford. What happened In March 2015 Vanquis, Miss W applied for a Vanquis credit card. She was given an initial credit limit of £500, which was later increased to £1,... (2 pages)View decision -
Decision Reference DRN-3534602
10 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3534602 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In Augus... (3 pages)View decision -
Decision Reference DRN-3434456
9 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3434456 The complaint Miss M complains that Vanquis Bank Limited (“Vanquis”), irresponsibly granted her a credit card she couldn’t afford to repay. What happened In February 2021 Miss M entered into an agreement with Vanquis to have access to credit by way of a credit card account. Mis... (2 pages)View decision -
Decision Reference DRN-3394712
7 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3394712 The complaint Mr E complains that Vanquis Bank Limited (Vanquis) marked his credit file. What happened Mr E had a credit card from Vanquis. In September 2020, the balance was £923.23 and the limit was £1,000. In April 2020, Mr E asked for a payment holiday for three months - as... (4 pages)View decision -
Decision Reference DRN-3452853
1 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3452853 The complaint Mr M is unhappy that Vanquis Bank Limited won’t refund money he lost, which he believes was the result of a scam. Mr M is represented in this complaint but for ease of reference, I have referred to all submissions as if made directly by Mr M. Background Mr M has e... (3 pages)View decision -
Decision Reference DRN-3417615
31 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3417615 The complaint Mr E complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 28 June 2016, Mr E applied for and was given a credit card account with Vanquis. Mr E was given an initial credit limit of £... (2 pages)View decision -
Decision Reference DRN-3418005
30 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3418005 The complaint Miss B complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 18 August 2020, Miss B applied for a credit card account with Vanquis. She was given an initial credit limit of £250. The... (2 pages)View decision -
Decision Reference DRN-3445054
18 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3445054 The complaint Mr B complains that Vanquis Bank Limited (Vanquis) failed to respond to his request for a payment freeze, issued a default on his account and recorded it on his credit file. What happened Mr B held a credit card account with Vanquis. He says that in February 2020,... (3 pages)View decision -
Decision Reference DRN-3450482
13 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3450482 The complaint Mr E complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a running account credit facility that he couldn’t afford. What happened On 24 October 2019, Mr E applied for and was given a credit card account with Vanquis. In 2022, Mr E complained to ... (2 pages)View decision -
Decision Reference DRN-3163194
12 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3163194 The complaint Mr N is unhappy about the service he received from Vanquis Bank Limited and how it managed his account when he was in financial difficulty. What happened In August 2019, Mr N’s Vanquis credit card statements show that the credit limit had been exceeded and that th... (5 pages)View decision
