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-3249836
3 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3249836 The complaint Mr F is unhappy that Vanquis Bank Limited approved him for a credit account which he feels wasn’t affordable for him at that time. What happened Mr F applied for a Vanquis credit account in November 2016. Mr F’s application was successful, and Vanquis provided hum... (3 pages)View decision -
Decision Reference DRN-3427340
29 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3427340 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card and later increased the credit limit. What happened Mr M applied for a credit card with Vanquis in 2015. In Mr M’s application, he said he was employed with an income of a... (2 pages)View decision -
Decision Reference DRN-3260377
23 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3260377 The complaint Miss H complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss H says she applied for the account in June 2021 and says Vanquis should not have approved her application. She says approp... (2 pages)View decision -
Decision Reference DRN-3319272
22 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3319272 The complaint Miss W complains about the service she has received from Vanquis Bank Limited relating to her credit card account. What happened But in summary Miss W complains she was given incorrect information by Vanquis regarding the origin of a letter – and whether it was se... (1 page)View decision -
Decision Reference DRN-2870528
19 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2870528 The complaint Ms B has complained that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card in February 2018. Background Ms B applied for, and was given, a credit card from Vanquis in February 2018. She has told us that at this time she was gambling ... (2 pages)View decision -
Decision Reference DRN-3357822
31 Mar 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3357822 The complaint Mrs H complains that Vanquis Bank Limited didn’t apply payments to her account after she agreed a payment plan. Mrs H also complains about the level of contact she’s received from Vanquis. What happened In January 2021 Mrs H agreed a payment arrangement with Vanqu... (2 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-3331902
22 Mar 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3331902 The complaint Mr O complains that Vanquis Bank Limited has registered adverse information on his credit file. What happened Mr O says he told Vanquis that he had difficulties making required payments towards his credit card debt. He says he explained he had health problems, but... (2 pages)View decision -
Decision Reference DRN-3303014
17 Mar 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3303014 The complaint Mr R complains that Vanquis Bank Limited has irresponsibly lent to him and they didn’t treat him with forbearance when they knew he was suffering from financial difficulty. What happened Mr R was approved for a Vanquis credit card in April 2016, with a £500 credit... (3 pages)View decision -
Decision Reference DRN-3233926
8 Mar 2022 Vanquis Bank Limited Not upheldConsumer CreditDRN-3233926 The complaint Mr P complains that Vanquis Bank Ltd reported loan payment arrears on his credit file when they’d said they wouldn’t. What happened Mr P had a personal loan and credit card with Vanquis. In or around April 2020, he contacted Vanquis and told them his income had be... (3 pages)View decision
