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-2924802
29 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2924802 The complaint and background Mr M blames Vanquis Bank Limited for the loss of his cryptocurrency due to a sophisticated investment scam. Vanquis denies liability for what happened, saying that Mr M made authorised payments to a legitimate merchant using the Visa credit card it ... (7 pages)View decision -
Decision Reference DRN-2696563
28 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2696563 The complaint Mr B complains that Vanquis Bank Limited (Vanquis) defaulted his account. What happened Mr B had a credit card with Vanquis. He was struggling to pay his debts. In January 2018, Vanquis agreed a payment plan of £50 per month at zero interest. In February 2019, Mar... (3 pages)View decision -
Decision Reference DRN-2943460
27 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2943460 The complaint Mr S complains of irresponsible credit increases to his account by Vanquis Bank Limited (Vanquis). He would like all charges applied to his account since 2014 refunded. And any negative information on his credit file amended What happened Mr S says he took out a ... (4 pages)View decision -
Decision Reference DRN-2789740
20 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2789740 The complaint Mr F complains that Vanquis Bank Limited (“Vanquis”) haven’t refunded interest on a transaction despite the merchant refunding it. 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 ... (1 page)View decision -
Decision Reference DRN-2922251
15 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2922251 The complaint Miss V complains that Vanquis Bank Ltd acted irresponsibly by giving her a credit card when she was unemployed and in financial difficulty. What happened In October 2018 Miss V applied for a credit card from Vanquis – they gave her a credit limit of £150. She says... (2 pages)View decision -
Decision Reference DRN-2895478
15 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2895478 The complaint Mr S complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr S had a credit card from Vanquis since 2012. His credit limit was increased four times – in January 2013, June 2013, November 2013 and October 2015. The last increase wa... (3 pages)View decision -
Decision Reference DRN-2911567
13 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2911567 The complaint Miss J complains that Vanquis Bank Limited acted irresponsibly when it provided a credit card to her. She said it had not done a thorough check of her credit history and she is now in financial difficulty. What happened Miss J applied for a credit card with Vanqui... (3 pages)View decision -
Decision Reference DRN-2885128
12 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2885128 The complaint Mr P complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr P says Vanquis should not have allowed him to open a credit card account in 2017 as he was in financial difficulties. He says t... (2 pages)View decision -
Decision Reference DRN-2759919
6 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2759919 The complaint Mr R is unhappy with the service he’s received from Vanquis Bank Limited (‘Vanquis’) when he tried to let them know he was experiencing financial difficulty. What happened The background and circumstances of this complaint are well known to both parties. Rather th... (2 pages)View decision -
Decision Reference DRN-2863016
6 Jul 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2863016 The complaint Mr H complains that Vanquis Bank Limited increased his credit limit without making the relevant checks that they should have completed. What happened Vanquis offered to increase Mr H’s credit limit from £1,500 to £2,500 in November 2019. They asked Mr H his income... (3 pages)View decision
