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-2649391
5 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2649391 The complaint Miss L is unhappy that Vanquis Bank Limited offered to increase her credit limit on two occasions as she believes these credit limit increases were unaffordable for her at those times. What happened Miss L applied for a credit card account with Vanquis in 2017. Th... (3 pages)View decision -
Decision Reference DRN-2635200
3 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2635200 The complaint Mr J complained that he shouldn’t have been given a credit card by Vanquis Bank Limited (Vanquis) and they lent to him irresponsibly. What happened Mr J was given a credit card by Vanquis in 2015 with a limit of £250. The limit was increased by Vanquis as follows:... (4 pages)View decision -
Decision Reference DRN-2596002
3 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2596002 The complaint Mr S complains that Vanquis Bank Limited charged interest on a credit card transaction which was later refunded by the merchant. What happened Mr S made two transactions on his Vanquis credit card to a tour operator – a deposit of £120 in 2019, and the holiday bal... (3 pages)View decision -
Decision Reference DRN-2631634
2 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2631634 The complaint Ms W complains that Vanquis Bank Limited have mis-managed her credit card debt. What happened In 2019, Ms W couldn’t keep up with her payments and offered Vanquis affordable, reduced repayments instead. Ms W told Vanquis not to call her, but they didn’t pick up on... (3 pages)View decision -
Decision Reference DRN-2582644
25 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2582644 The complaint Mr P complains that Vanquis Bank Limited (Vanquis) defaulted his account and didn’t tell him about the change of debt collection agency. What happened Mr P was made unemployed in May 2018 and was struggling to pay Vanquis. He spoke to Vanquis in October 2018 and a... (3 pages)View decision -
Decision Reference DRN-2564105
24 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2564105 The complaint Miss B is complaining that Vanquis Bank Limited lent to her irresponsibly when they gave her a credit card. What happened Miss B applied to Vanquis for a credit card. On her application she said her personal annual income was £13,500 and her household income was n... (3 pages)View decision -
Decision Reference DRN-2573486
24 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2573486 The complaint Mr A is unhappy that Vanquis Bank Limited approved him for a credit card and recorded it against his credit file without him electing to go ahead with the card. What happened Mr A applied for a credit card with Vanquis at an indicative rate of 39.9% APR. Mr A wasn... (2 pages)View decision -
Decision Reference DRN-2370238
24 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2370238 The complaint Mr H complains that Vanquis Bank Limited have held him liable for transactions on his credit card that he says he didn’t make or otherwise authorise. He’s also unhappy with the service he received. What happened The detailed background to this complaint is well kn... (2 pages)View decision -
Decision Reference DRN-2597674
23 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2597674 The complaint Miss M complains about Vanquis Bank Limited and their decision to approve her application for a credit card account. She also complains about an increase to her credit limit. What happened In July 2016, Miss M applied for a credit card with Vanquis. She submitted ... (4 pages)View decision -
Decision Reference DRN-2460085
17 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2460085 The complaint Mr P complains that the information on his credit file provided by Vanquis Bank Limited (Vanquis) was wrong. What happened Mr P had a credit card with Vanquis. He was in financial difficulty. Several payment plans were agreed by Vanquis between September 2014 and ... (3 pages)View decision
