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 1259 results
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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 -
Decision Reference DRN-2634956
11 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2634956 The complaint Mr M complains that Vanquis Bank Limited continued to hold him responsible for an account that he hadn’t applied for. What happened Mr M received contact late in 2019 about an account at Vanquis. He sent a letter in December 2019 saying that he hadn’t opened this ... (3 pages)View decision -
Decision Reference DRN-2195272
10 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2195272 The complaint Mr B complains that Vanquis Bank Limited unfairly registered a default on his account. Mr B is unhappy that Vanquis didn’t activate the repayment option plan product on his account, which led to a default being registered when he was unable to make repayments. Wha... (3 pages)View decision -
Decision Reference DRN-2617692
8 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2617692 The complaint Ms M is unhappy that Vanquis Bank Limited didn’t record a default against her account when her account was in arrears and had entered a debt management plan in 2014. What happened Ms M had a credit account with Vanquis. In 2014, Ms M encountered financial difficul... (2 pages)View decision -
Decision Reference DRN-2617608
6 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2617608 The complaint Mr C complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr C says that Vanquis should not have allowed him to open a credit card account and didn’t carry out appropriate affordability ch... (2 pages)View decision
