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-2361642
19 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2361642 The complaint Mr M complained that Vanquis Bank Limited defaulted his account when he was still trying to set up a payment plan. What happened Mr M originally complained about charges applied to his credit card account by Vanquis. Our service dealt with that issue separately. T... (3 pages)View decision -
Decision Reference DRN-2262192
19 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2262192 The complaint Miss W complained that Vanquis Bank Limited was charging her much more than she expected to pay, for her monthly minimum payment. What happened Miss W said that her March 2020 card statement showed a balance of £80.58, but the statement was asking for a payment of... (4 pages)View decision -
Decision Reference DRN8286789
13 Nov 2020 Vanquis Bank Limited UpheldBanking and creditComplaint Miss H is unhappy that Vanquis Bank Limited won’t agree to write off an outstanding debt she owes. Background Miss H has an outstanding debt to Vanquis which she says she can no longer afford to pay. At the time she referred her complaint to us, it was a little under £1,500. Her ... (3 pages)View decision -
Decision Reference DRN-2315590
11 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2315590 The complaint Mr H complains that Vanquis Bank Limited increased its lending to him on his credit card account, even though he had no job and a gambling addiction. What happened Mr H took out a credit card account with Vanquis in 2011. He said Vanquis repeatedly raised his cred... (4 pages)View decision -
Decision Reference DRN-2293555
11 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2293555 The complaint Ms A says that Vanquis Bank Limited (Vanquis) lent to her irresponsibly. She feels adequate checks weren’t completed and she was constantly chased for payment. Ms A wants a refund of charges paid, her credit file to be updated and all accounts closed. What happene... (3 pages)View decision -
Decision Reference DRN3925981
28 Oct 2020 Vanquis Bank Limited UpheldBanking and creditMrs O complains that Vanquis Bank Limited has refused her a refund. background Mrs O told us that her daughter, who is a child, was shortlisted for a modelling competition. It is not entirely clear how Mrs O was initially contacted about this, although Mrs O had been looking online for inf... (5 pages)View decision -
Decision Reference DRN-2274390
28 Oct 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2274390 The complaint Mr S complains about Vanquis Bank Limited and their decision to offer him a credit card. What happened In late 2017, Mr S applied for a credit card with Vanquis. This application was approved, and Mr S was given a £250 credit limit. This limit has not been increas... (3 pages)View decision -
Decision Reference DRN-2236861
20 Oct 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2236861 The complaint Mr K complains Vanquis Bank Limited continually increased his credit limit. He says it did so irresponsibly. What happened Mr K applied for a Vanquis credit card in 2014. He was given a credit limit of £500. This increased on three occasions, reaching a limit of £... (2 pages)View decision -
Decision Reference DRN-1524073
14 Oct 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1524073 The complaint Mr D’s complaint about Vanquis Bank Limited (Vanquis) relates to an increase in his credit limit in August 2018 which he feels was irresponsible. What happened Mr D feels Vanquis were irresponsible in increasing the credit limit on his credit card account from £50... (2 pages)View decision -
Decision Reference DRN-1941221
29 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1941221The complaintMrs S complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account that was unaffordable and also approved a number of credit limit increases. What happenedMrs S says she opened the Vanquis credit card account in 2013 and at the time s... (2 pages)View decision
