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-3034907
22 Sep 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3034907 The complaint Mr S complains that Vanquis Bank Limited has added interest to his account balance despite being in prison and has refused to discuss a settlement figure. What happened Mr S says he went into prison in August 2019 and his father told Vanquis that. He says Vanquis ... (2 pages)View decision -
Decision Reference DRN-2982951
21 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2982951 The complaint Mr M complains that Vanquis Bank Limited allowed a transaction to be paid from his credit card after his card had expired. What happened Mr M booked a holiday with a third party company. The total cost for this was £675. Mr M paid a part deposit of £30 in March 20... (3 pages)View decision -
Decision Reference DRN-3042775
16 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3042775 The complaint Mr U complains that Vanquis Bank Limited (“Vanquis”) were unreasonable when rejecting a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so I won’t re... (2 pages)View decision -
Decision Reference DRN-3006656
14 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3006656 The complaint Mrs B complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Mrs B says Vanquis should not have allowed her to open a credit card account as it ought to have been clear to it that it would ... (2 pages)View decision -
Decision Reference DRN-3028285
14 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3028285 The complaint Mr M complains that Vanquis Bank Limited (“Vanquis”) irresponsibly and unfairly allowed credit limit increases on his credit card. Mr M has been represented when bringing this complaint. For ease, any reference I make to him includes his representatives unless spe... (2 pages)View decision -
Decision Reference DRN-3040052
13 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3040052 The complaint Mr A complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened In September 2015, Mr A applied for a credit card from Vanquis. It was agreed with a limit of £250. This was unchanged. In September 2018, the debt was passed to a debt col... (3 pages)View decision -
Decision Reference DRN-3042632
11 Sep 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3042632 The complaint Ms P complains that the lending made to her by Vanquis Bank Limited was always unaffordable for her. And she said that when she got into difficulties with her payments, Vanquis didn’t help. What happened Ms P said she only earned about £800 a month when she took ... (4 pages)View decision -
Decision Reference DRN-2966537
10 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2966537 The complaint Miss L is unhappy that Vanquis Bank Limited approved her for a credit account which she feels was unaffordable for her at that time. What happened Miss L applied for a Vanquis credit account in April 2019. Her application was approved, and Vanquis issued Miss L wi... (3 pages)View decision -
Decision Reference DRN-3016721
9 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3016721 The complaint Ms M complains that Vanquis Bank Limited trading as Vanquis Bank lent irresponsibly when it approved her credit card and later increased the credit limit. Ms M also complains that Vanquis didn’t help her when she experienced financial difficulties. What happened I... (3 pages)View decision -
Decision Reference DRN-2860407
2 Sep 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2860407 The complaint Mr M complains that Vanquis Bank Limited (“Vanquis”) have held him responsible for two credit card transactions he didn’t make. What happened Mr M’s partner received two packages, a week apart from each other, from an online business I’ll refer to as C. Neither of... (4 pages)View decision
