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-3174653
22 Nov 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3174653 The complaint Mr C complains that Vanquis Bank Limited put his account into default too late. What happened I issued my provisional decision on this case on 8 November 2021. I wanted to give both parties the chance to respond with anything else they wanted me to consider befor... (5 pages)View decision -
Decision Reference DRN-3111845
18 Nov 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3111845 The complaint Mr S complained that Vanquis Bank Limited acted irresponsibly when they agreed to provide him with a credit card to use for gambling purposes. He also believes they made other errors during his dealings with them. What happened Mr S made an online application to V... (4 pages)View decision -
Decision Reference DRN-3014373
15 Nov 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3014373 The complaint Mr T complains about his request for a payment holiday on his credit card with Vanquis Bank Limited. What happened In April 2020 Mr T was struggling to meet his financial commitments due to the impact of the Covid-19 pandemic. Mr T was out of work and was unsure i... (2 pages)View decision -
Decision Reference DRN-3141464
14 Nov 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3141464 The complaint Miss J complains Vanquis Bank Limited (Vanquis) irresponsibly provided her with a credit card facility. What happened Miss J says she took out a credit card account with Vanquis in June 2017 with a credit limit of £250, although her credit history was poor, and sh... (3 pages)View decision -
Decision Reference DRN-3131931
12 Nov 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3131931 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened In March 2020 Mr M applied for a credit card with Vanquis. In his application, Mr M told Vanquis he earned £18,000 a year. Vanquis completed a c... (2 pages)View decision -
Decision Reference DRN-3093997
12 Nov 2021 Vanquis Bank Limited Not upheldConsumer CreditDRN-3093997 The complaint Mrs L complains that Vanquis Bank Limited failed to update her credit file after a Debt Relief Order (DRO) ended. What happened Mrs L had a credit card with Vanquis. In 2016 a DRO in relation to Mrs L’s debts was approved and Vanquis recorded an unsatisfied defaul... (2 pages)View decision -
Decision Reference DRN-3140712
9 Nov 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3140712 The complaint Mr V complains that Vanquis Bank Limited made a mistake recording his address; unfairly suspended and then closed his account; and recorded adverse information on his credit file. He says he hasn’t been treated fairly and he should be paid compensation and have hi... (4 pages)View decision -
Decision Reference DRN-3121442
5 Nov 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3121442 The complaint Ms W complains that Vanquis Bank Limited (Vanquis) disclosed her personal information. What happened Ms W had a Vanquis card account since 2013. It was set up using her company mobile number. In February 2019, Ms W asked Vanquis to stop using that number. Again, i... (3 pages)View decision -
Decision Reference DRN-2800615
4 Nov 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2800615 The complaint Mr R complains that Vanquis Bank Limited won’t refund to him the money that he paid for some accommodation. What happened Mr R used his Vanquis Bank credit card in January 2020 to pay £226 to an online booking company for a two night stay in March 2020 in some acc... (3 pages)View decision -
Decision Reference DRN-2883002
29 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2883002 The complaint Mr W says Vanquis Bank Limited acted irresponsibly when providing him with a credit card in 2009. What happened In January 2009 Mr W applied for a credit card with Vanquis. His application was approved with a limit of £250. The account defaulted in 2011 and was su... (2 pages)View decision
