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-2255198
17 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2255198 The complaint Ms S complains that Vanquis Bank Limited trading as Chrome Card irresponsibly gave her a credit card account and later increased the credit limit. What happened Ms S says she opened the Chrome Card account whilst she was in an active Trust Deed and also had defaul... (2 pages)View decision -
Decision Reference DRN-2376372
17 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2376372 The complaint Mr R complains that Vanquis Bank Limited (“Vanquis”) take too long to let him use his full credit limit after he’s paid some of the balance off. He feels this is particularly unfair, as he’s paying what he feels is a high rate of interest on the balance owed. What... (3 pages)View decision -
Decision Reference DRN7434297
17 Dec 2020 Vanquis Bank Limited Not upheldBanking and creditMiss S complains about Vanquis Bank Limited’s refusal to give her a refund. background Miss S wanted to help her partner improve his employment prospects. To this end, she paid for his course with a supplier I will call “J”. According to Miss S, one of the reasons, her partner wanted to do... (3 pages)View decision -
Decision Reference DRN-2352245
17 Dec 2020 Vanquis Bank Limited Not upheldConsumer CreditDRN-2352245 The complaint Mr P complains Vanquis Bank Limited trading as Fresh Start (“Vanquis”) incorrectly applied a default to his loan account. He says he didn’t receive anything to let him know this was going to happen and he’s now unable to move forward with his financial plans. Mr P... (2 pages)View decision -
Decision Reference DRN-2324054
15 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2324054 The complaint Miss D complains that Vanquis Bank Limited irresponsibly lent to her and unlawfully applied a default to her credit file. What happened Vanquis’ records first show Miss D having an outstanding balance on her credit card in April 2013. Her credit limit at this time... (4 pages)View decision -
Decision Reference DRN-2075023
14 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2075023 The complaint Miss S complains that Vanquis Bank Limited didn’t raise a chargeback in respect of a holiday villa which didn’t meet expectations. What happened In Miss S arranged to rent a holiday villa abroad for her family. She did so using an online booking company I will cal... (2 pages)View decision -
Decision Reference DRN-2361219
13 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2361219 The complaint Ms C complains that Vanquis Bank Limited has not given her information about her account and that she has paid it more than she owes it. She also complains about the level of service she has received. What happened Ms C says she has asked Vanquis to tell her how m... (2 pages)View decision -
Decision Reference DRN-2328630
30 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2328630 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it granted him a credit a card account with a credit limit of £500 and again when it increased his credit limit to £1,250. What happened In March 2017 Mr H applied for a credit card acco... (4 pages)View decision -
Decision Reference DRN-2105470
30 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2105470 The complaint Mr J complains about a credit card provided by Vanquis Bank Limited. He feels the decision to lend to him was irresponsible, and says if Vanquis had completed proper checks, they would have seen that he was in financial difficulty and they shouldn’t have lent to h... (2 pages)View decision -
Decision Reference DRN-2373358
24 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2373358 The complaint Mr R complains that Vanquis Bank Limited (Vanquis) incorrectly registered a default on his credit file. What happened Mr R had a credit card account with Vanquis. Mr R says he agreed a payment plan with Vanquis, but even so a default was registered on his credit f... (3 pages)View decision
