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-2631283
13 May 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2631283 The complaint Mr D complains that Vanquis Bank Ltd acted irresponsibly by raising the limit on his credit card twice during a period when his debts were increasing. What happened Mr D applied for a credit card from Vanquis in September 2017 – they gave him an initial credit lim... (3 pages)View decision -
Decision Reference DRN-2750731
13 May 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2750731 The complaint Mr A complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. What happened Mr A applied for a credit card from Vanquis in January 2016. This was agreed with a limit of £250. There were subsequent increases as shown: Date Old Limit New Limit Januar... (3 pages)View decision -
Decision Reference DRN-2740822
10 May 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2740822 The complaint Mr L complains that defaults were wrongly registered by Vanquis Bank Limited (Vanquis). What happened Mr L had a credit card from Vanquis. In 2016, he was due to make minimum payments of £41.91 per month. Notices of Default were sent to him on 25 February 2016, 2... (2 pages)View decision -
Decision Reference DRN-2624740
6 May 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2624740 The complaint Mr M has complained Vanquis Bank Limited won’t refund money for transactions he didn’t make. What happened On the evening of 2 March 2019, Mr M was out with friends. He drank and spent a fair bit. He can’t remember much of what happened but knows his friends took ... (3 pages)View decision -
Decision Reference DRN-2752337
4 May 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2752337 The complaint Ms B complained because Vanquis Bank Limited refused to refund her for a transaction which she said she hadn’t authorised. What happened Ms B didn’t recognise two transactions on her Vanquis credit card. She then found out that one of them had been made by her sis... (3 pages)View decision -
Decision Reference DRN-2760766
3 May 2021 Vanquis Bank Limited Not upheldConsumer CreditDRN-2760766 The complaint Ms H complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account that was unaffordable. What happened Ms H says that Vanquis should not have allowed her to open a credit card account in 2018 as it was clear she was in financial diff... (2 pages)View decision -
Decision Reference DRN-2630542
29 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2630542 The complaint Mr R complains that Vanquis Bank Ltd acted irresponsibly by giving him a credit card and twice increasing his credit limit when he’d already accumulated significant debts. What happened Mr R applied for a credit card from Vanquis in August 2017 – they gave him an ... (2 pages)View decision -
Decision Reference DRN-2711159
22 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2711159 The complaint Mr R complains that Vanquis Bank Limited lent irresponsibly when it increased the credit limit for his credit card. What happened In 2011 Mr R opened a Vanquis credit card while he was subject to an IVA. The original credit limit Vanquis approved was £250 but in ... (2 pages)View decision -
Decision Reference DRN-2770443
21 Apr 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2770443 The complaint Ms P complains that she got misleading information from Vanquis Bank Limited (Vanquis) and her credit file was wrongly marked. What happened Ms P had a credit card from Vanquis. She was struggling with payments. In October 2019, her debt of £3,365 was transferred ... (3 pages)View decision -
Decision Reference DRN-2734997
19 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2734997 The complaint Miss M complains Vanquis Bank Limited lent to her irresponsibly. What happened Miss M opened a credit card account with Vanquis. When Miss M applied for the card, she said that she had a personal income of £30,000 and her residential status was put as living with ... (3 pages)View decision
