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-2581166
16 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2581166 The complaint Mr C is unhappy at the time it took for Vanquis Bank Limited to close his account. He’d like an apology and compensation. What happened Mr C had a bank account with Vanquis. On 18 September he contacted Vanquis to ask it to close his account. Vanquis replied on 23... (3 pages)View decision -
Decision Reference DRN-2544684
12 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2544684 The complaint Mr W believes that Vanquis Bank Limited lent to him irresponsibly and that had sufficient checks been performed, both at the time of the initial credit card application and the subsequent credit limit increases, it would have been apparent that this lending was no... (3 pages)View decision -
Decision Reference DRN-2407436
5 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2407436 The complaint Mr K complains that Vanquis Bank Limited (‘Vanquis’) recorded a ‘default’ on his credit file. Mr K is also unhappy with a reduction in his credit limit and not being offered a payment freeze on his account. Mr K wants the default removed, interest refunded and his... (3 pages)View decision -
Decision Reference DRN0512587
4 Feb 2021 Vanquis Bank Limited UpheldBanking and creditMr M complains about the way that Vanquis Bank Limited has dealt with his credit card account and that it’s provided incorrect information to the credit reference agencies. background Mr M complained to this service in June 2019 about some issues with the credit card account that he has wi... (2 pages)View decision -
Decision Reference DRN-2272975
3 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2272975 The complaint Mr O has complained Vanquis Bank Limited charged him for a cash machine withdrawal when he didn’t get the cash. This resulted in Mr O being charged late payment and over-limit fees and this eventually led to a default on his credit record. What happened In March 2... (3 pages)View decision -
Decision Reference DRN-2552382
3 Feb 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2552382 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) won’t write off his outstanding credit card debt, and it should do so given his current health and financial position. What happened Vanquis ‘sold’ Mr H’s debt to a third party in late 2019. It then ‘purchased’ ... (3 pages)View decision -
Decision Reference DRN-2414913
2 Feb 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2414913 The complaint Mr Z complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr Z says he received a letter from Vanquis telling him he had been pre-approved for a credit card account. He says he applied but... (2 pages)View decision -
Decision Reference DRN7717338
1 Feb 2021 Vanquis Bank Limited Not upheldBanking and creditComplaint Mr S complains Vanquis Bank Limited is unfairly holding him liable for a debt he is not responsible for. He wants the debt cleared and not to be pursued for repayment. Background Mr S is a customer of Vanquis. He opened a Vanquis card account in 2014. Between December 2017 and Ju... (5 pages)View decision -
Decision Reference DRN-2398773
25 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2398773 The complaint Mr I is unhappy that Vanquis Bank Limited suspended the use of his credit card account. What happened On 24 February 2020, Vanquis wrote to Mr I informing him of an overdue payment on his account and asking Mr I to contact them. Mr I didn’t contact Vanquis, so Van... (3 pages)View decision -
Decision Reference DRN-1994511
22 Jan 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1994511 The complaint Mr R complains about a credit card account he held with Vanquis Bank Limited. What happened In 2011, Mr R took out an account with Vanquis and was given a credit limit of £150. He tells us that he struggled to manage the account quite soon after this. He says he o... (3 pages)View decision
