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
-
Decision Reference DRN-3081908
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3081908 The complaint Mr E complains that Vanquis Bank Limited irresponsibly increased the credit limit on his credit card account to unaffordable levels. What happened Mr E says he opened the Vanquis account in 2018 and accepts the initial lending decision was appropriate and not unaf... (2 pages)View decision -
Decision Reference DRN-3099756
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3099756 The complaint Miss M is unhappy as she feels that Vanquis Bank Limited approved her for credit, and later increased the credit limit on her account, at times when such credit wasn’t affordable for her. What happened In early 2017, Miss M applied for a Vanquis credit account. He... (3 pages)View decision -
Decision Reference DRN-3098437
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3098437 The complaint Mr S complains Vanquis Bank Limited will not refund some disputed transactions. He also complains about the customer service he received when he complained. Vanquis says it thinks the transactions were authorised and that it has apologised to Mr S about its level ... (3 pages)View decision -
Decision Reference DRN-2936483
27 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2936483 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly and didn’t carry out sufficient checks when they increased his credit limit on his credit card account. What happened Mr H was accepted for a credit card by Vanquis in August 2013 with ... (3 pages)View decision -
Decision Reference DRN-3063244
8 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3063244 The complaint Mr B complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr B applied for a credit card from Vanquis in November 2018. It was agreed with a limit of £250. In May 2020, the debt was sold to a debt collection agency. Mr B complaine... (2 pages)View decision -
Decision Reference DRN-3026198
7 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3026198 The complaint Mr L has complained that Vanquis Bank Limited won’t refund him for disputed transactions he says he didn’t make or authorise totalling just over £550. What happened Mr L has an account with Vanquis. On 20 and 27 December 2017, two transactions were made from Mr L’... (4 pages)View decision -
Decision Reference DRN-3051592
6 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3051592 The complaint Mr J is unhappy that Vanquis Bank Limited increased the credit limit on his account, which he feels was unaffordable for him at that time. What happened Mr J raised a complaint with Vanquis because he felt that Vanquis had provided credit to him irresponsibly. Mr ... (3 pages)View decision -
Decision Reference DRN-1986606
6 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1986606 The complaint Mr A complains Vanquis Bank Limited is unfairly holding him liable for the balance on an account which he says does not belong to him. He also complains that this complaint was investigated without any authority from him to do so. Vanquis says it is satisfied tha... (2 pages)View decision -
Decision Reference DRN-3070122
4 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3070122 The complaint Ms P complains that Vanquis Bank Limited lent her money that she couldn’t afford to pay back. She didn’t think this lending was affordable for her. She said that she was in a spiral of debt, and using borrowing to pay back borrowing. What happened Ms P opened a cr... (3 pages)View decision -
Decision Reference DRN-3071603
29 Sep 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3071603 The complaint Mr B is unhappy that Vanquis Bank Limited suspended his credit account on the basis of persistent debt. What happened Mr B called Vanquis in August 2020 because he'd received a letter advising him that his credit account would be suspended in October. The Van... (5 pages)View decision
