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-3177776
29 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3177776 The complaint Mr S complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr S sys the account was opened in July 2011 and it ought to have been obvious to Vanquis that the lending was unaffordable. He s... (2 pages)View decision -
Decision Reference DRN-3122678
21 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3122678 The complaint Mr O is unhappy Vanquis Bank Limited (“Vanquis”) won’t reimburse him the money he lost when he fell victim to a scam. What happened The details of this case have been clearly set out by our investigator. As such, the facts are well-known to both parties, so I don’... (4 pages)View decision -
Decision Reference DRN-2977880
19 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2977880 The complaint Mr S complains Vanquis Bank Limited lent to him when it shouldn’t have and didn’t support him during a time of financial difficulties. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not ... (2 pages)View decision -
Decision Reference DRN-3260290
18 Jan 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3260290 The complaint Mrs W complains that Vanquis Bank Limited was irresponsible to offer her a credit card and then increase her credit limit. Mrs W wants Vanquis to refund the interest and fees that she has paid. What happened Mrs W opened a credit card account in February 2014 with... (3 pages)View decision -
Decision Reference DRN-3139084
13 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3139084 The complaint Mr T complains that Vanquis Bank Limited won’t refund payments he made on his credit card to what he says was a scam investment. What happened The detailed background to this complaint is well known to both parties, so I’ll only provide an overview of some of the ... (2 pages)View decision -
Decision Reference DRN-3249097
12 Jan 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3249097 The complaint Mr B complains that Vanquis Bank Limited consider him to be in persistent debt and have prevented him from transferring his outstanding balance to another credit card provider. What happened Mr B says that Vanquis wrote to him to say that he was in persistent debt... (4 pages)View decision -
Decision Reference DRN-3247300
11 Jan 2022 Vanquis Bank Limited UpheldConsumer CreditDRN-3247300 The complaint Mr H complains that Vanquis Bank Limited incorrectly recorded a missed payment on his credit file. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr H has a loan with Vanquis. At the end o... (3 pages)View decision -
Decision Reference DRN-3209747
11 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3209747 The complaint Mr C complains that Vanquis Bank Limited acted irresponsibly by giving him a credit card when he couldn’t afford to make the repayments. What happened On 11 December 2017 Mr C applied for a credit card from Vanquis. They approved his application, giving him a cred... (3 pages)View decision -
Decision Reference DRN-3207166
11 Jan 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3207166 The complaint Mr J complains Vanquis unfairly defaulted the credit card account he held with them. What happened Mr J held a credit card account with Vanquis. His account was defaulted in December 2019 after he experienced financial difficulties. Mr J cleared the balance he owe... (2 pages)View decision -
Decision Reference DRN-3240752
7 Jan 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3240752 The complaint Mr B complains that Vanquis Bank Limited have irresponsibly lent to him. What happened Mr B applied for a Vanquis credit card on 30 December 2017. His account was opened on 1 January 2018 with a £500 credit limit. Mr B says he struggled to make the repayments as t... (3 pages)View decision
