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-1845505
21 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1845505 The complaint Miss E complains that Vanquis Bank Limited was irresponsible in offering her a loan of £2000. She’d now like the details of this loan removed from her credit file and all interest added to the loan to be refunded. In addition, Miss E is unhappy about a late paymen... (4 pages)View decision -
Decision Reference DRN-2411556
18 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2411556 The complaint Mr S is unhappy that Vanquis Bank Limited (Vanquis) didn’t tell him about a remaining debt on his credit card account which it reported to credit reference agencies. What happened Several years ago, Mr S entered into a debt management plan through an external orga... (2 pages)View decision -
Decision Reference DRN-2437951
15 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2437951 The complaint Mr D complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. He wants Vanquis to cancel the debt. What happened Mr D was accepted for a credit card by Vanquis in January 2013 with a limit of £500. The following credit limit increases were then app... (3 pages)View decision -
Decision Reference DRN-2195233
14 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2195233 The complaint Mrs E is unhappy with Vanquis Bank Limited’s response to her complaint about a transaction on her credit card account that she says she didn’t make or authorise. The bank has declined to refund her. What happened Mrs E noticed a transaction on her statement that s... (3 pages)View decision -
Decision Reference DRN-2496995
12 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2496995 The complaint Mr D complains that Vanquis Bank Limited sold his credit card debt fraudulently and the Notice of Assignment (NOA) was signed by a person who doesn’t work at Vanquis and so he believes it was forged. What happened In November 2019 Mr D complained to Vanquis that h... (3 pages)View decision -
Decision Reference DRN-2421225
8 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2421225 The complaint Mr P’s complained that the information recorded by Vanquis Bank Limited (“Vanquis”) on his credit file was wrong – which he believes disadvantaged him. What happened In the latter part of 2014, Mr P found himself in a position where he was advised to enter sequest... (2 pages)View decision -
Decision Reference DRN-2365092
28 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2365092 The complaint Mr B complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable and then increased his credit limit. What happened Mr B says he opened the credit card account in 2015 and had a default registered on his credit... (2 pages)View decision -
Decision Reference DRN-2400692
23 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2400692 The complaint Mr S complains Vanquis Bank Limited (Vanquis) incorrectly re-debited his credit card account following a chargeback request. What happened Mr S says he purchased goods using his Vanquis credit card, but the goods never arrived. Mr S arranged for a chargeback with ... (2 pages)View decision -
Decision Reference DRN-2257174
22 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2257174 The complaint Ms W complains that Vanquis Bank Limited was irresponsible when giving her a credit card and credit limit increase. She also complains about the way Vanquis treated her when it was chasing her for payments. What happened In October 2014 Ms W was successful in appl... (3 pages)View decision -
Decision Reference DRN-2341163
21 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2341163 The complaint Mr H complains Vanquis Bank Limited approved him for a credit card that was unaffordable. He also complains Vanquis later further increased his credit limit without asking him. He says this put him in financial difficulty. What happened In September 2015 Mr H appl... (2 pages)View decision
