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-2745510
16 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2745510 The complaint Miss P complains Vanquis Bank limited (Vanquis) haven’t refunded her the correct amount following the closure of her credit card account with them. What happened Miss P says Vanquis wrote to her in July 2020 notifying they would be closing her credit card account.... (3 pages)View decision -
Decision Reference DRN-2547676
14 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2547676 The complaint Mr D complains Vanquis Bank Limited sold a debt in his name, which he says he isn’t responsible for, to a third party and has unfairly recorded negative information on his credit file. What happened Mr D says he had a car finance application declined. This led to ... (3 pages)View decision -
Decision Reference DRN-2658499
13 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2658499 The complaint Mr I complains that Vanquis Bank Limited (“Vanquis”) gave him a credit card when he was in financial difficulty. What happened Mr I took out a credit card with a credit limit of £250 with Vanquis in March 2019. He says Vanquis acted irresponsibly in providing this... (3 pages)View decision -
Decision Reference DRN-2734776
7 Apr 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2734776 The complaint Miss P complains about Vanquis Bank Limited and their decision to approve her credit card application. What happened In July 2015, Miss B applied for a credit card with Vanquis. This application was approved, and she was provided with a credit limit of £150. But a... (3 pages)View decision -
Decision Reference DRN-2699367
30 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2699367 The complaint Mr C has complained about the way Vanquis Bank Limited dealt with a fraudulent account that was opened in his name. What happened In March 2019, a Vanquis credit card was fraudulently opened in Mr C’s name. Mr C discovered this and reported it to Vanquis. Vanquis ... (2 pages)View decision -
Decision Reference DRN-2656865
30 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2656865 The complaint Miss M complains that Vanquis Bank Limited increased her credit card limit when she couldn’t afford the borrowing. What happened Miss M took out the credit card in April 2014, via an on-line application. The account was opened with a £150 credit limit. In October ... (5 pages)View decision -
Decision Reference DRN-2662352
24 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2662352 The complaint Mr N is unhappy that Vanquis Bank Limited didn’t send him a Notice of Default before defaulting his account. What happened Mr N had an account with Vanquis. He fell into arrears on the account in 2019 and the account was later defaulted by Vanquis. Mr N wasn’t hap... (2 pages)View decision -
Decision Reference DRN-2581351
18 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2581351 The complaint Mr B’s complaint is about credit limit increases, and the interest and charges applied to his credit card account with Vanquis Bank Limited. What happened Mr B opened a credit card account with Vanquis in October 2010. Mr B says he took advantage of any credit l... (2 pages)View decision -
Decision Reference DRN7897545
18 Mar 2021 Vanquis Bank Limited Not upheldBanking and creditMr S complains that his credit card provider, Vanquis Bank Limited, increased the outstanding balance on his card while he was on a repayment plan, and that they placed a default marker on his credit file. background Mr S opened a credit card account with Vanquis in July 2012. Alongside th... (3 pages)View decision -
Decision Reference DRN-2562944
11 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2562944 The complaint Mr M complains that he shouldn’t have been issued with a credit card by Vanquis Bank Limited (Vanquis). What happened In January 2019, Mr M applied for a credit card with Vanquis. He was approved with a limit of £500. Mr M complained that he shouldn’t have been g... (2 pages)View decision
