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-2977726
31 Aug 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2977726 The complaint Mr W complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr W applied for a credit card from Vanquis in February 2015, and this was agreed with a limit of £1000. In April 2016, Vanquis offered to increase the limit to £1750, and ... (3 pages)View decision -
Decision Reference DRN-3019602
27 Aug 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3019602 The complaint Mrs K complains that Vanquis Bank Limited incorrectly defaulted her credit card account and reported this to the credit reference agencies. She also says that Vanquis has applied too much interest to her account. What happened I issued my provisional decision on t... (4 pages)View decision -
Decision Reference DRN-2938137
19 Aug 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2938137 The complaint Miss J complains about Vanquis Bank Limited (“Vanquis”) for allowing her to open a credit card account. She thinks that the account was not affordable to her and Vanquis was irresponsible to lend to her. She wants Vanquis to waive her outstanding debt and refund a... (2 pages)View decision -
Decision Reference DRN-2744042
18 Aug 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2744042 The complaint Mr P complains that Vanquis Bank Limited won’t compensate him for purchases he made using his credit card. Mr P believes the goods in question were misrepresented to him. What happened In 2014 Mr P used his Vanquis credit card with a number of online retailers to ... (3 pages)View decision -
Decision Reference DRN-2942965
16 Aug 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2942965 The complaint Mr R is unhappy with the service he received when he made a claim to Vanquis Bank Limited (“Vanquis”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my dec... (2 pages)View decision -
Decision Reference DRN-2555962
12 Aug 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2555962 The complaint Mr M is unhappy that Vanquis Bank Limited suspended his credit card account and then closed it down. What happened Mr M raised a fraud claim with vanquish on 29 June 2020. This was his sixth fraud claim on the credit card account. Vanquis blocked the account to pr... (2 pages)View decision -
Decision Reference DRN-2722777
12 Aug 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2722777 The complaint Mr H is unhappy with the credit limit increases given to him by Vanquis Bank Limited on his credit card account. He said these increases were irresponsible. Mr H wants Vanquis to refund the interest and charges added to his account since the first of the credit li... (4 pages)View decision -
Decision Reference DRN-2952964
12 Aug 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2952964 The complaint Mr M complains that Vanquis Bank Limited rejected his claim under S 75 Consumer Credit Act 1974 I respect of repairs to a property. What happened In August 2020 Mr M bought a house along with another as joint tenants. The house cost £90,000 and Mr M paid the agent... (2 pages)View decision -
Decision Reference DRN-2926190
31 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2926190 The complaint Mrs R complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account and later increased the credit limit which she says was unaffordable. What happened Mrs R opened the Vanquis credit card account in 2010 and says over the next two ye... (2 pages)View decision -
Decision Reference DRN-2642518
29 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2642518 The complaint Mr W complains about his credit card with Vanquis Bank Limited. Mr W says he was lent to irresponsibly and is also unhappy with the credit limit increases on the card. Mr W is being represented by a third party. What happened In March 2011 Mr W took out a credit c... (3 pages)View decision
