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-2143140
27 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2143140The complaintMr H complains that Vanquis Bank Limited gave him incorrect information about a balance transfer which meant he paid excessive interest. What happenedMr H says he spoke to Vanquis about eligibility for a balance transfer offer and says he was given incorrect informa... (2 pages)View decision -
Decision Reference DRN-2104847
23 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2104847The complaintMr M says that Vanquis Bank Limited has wrongly calculated the interest due on his credit card account. What happenedMr M has a Vanquis credit card. In October 2019 he used it to make a purchase for £3,000. That transaction appeared on his November statement, which ... (2 pages)View decision -
Decision Reference DRN-1413344
22 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1413344The complaintMr B complains that Vanquis Bank Limited lent irresponsibly when it increased his credit limit from £2,000 in 2015 to £4,000 in 2016. What happenedIn October 2015 Vanquis increased the credit limit on Mr B’s credit card from £2,000 to £3,000. In May 2016 Vanquis inc... (2 pages)View decision -
Decision Reference DRN-2080481
21 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2080481The complaintMr W complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card with a £250 limit. What happenedIn June 2018 Mr W applied for a credit card with Vanquis. Mr W’s application said he earned £48,000 with a household income of £80,000. Vanquis... (2 pages)View decision -
Decision Reference DRN-2135241
8 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2135241The complaintMr D complains that he’d repeatedly told Vanquis Bank Limited that he was moving overseas. It said this was no problem, but then suddenly changed its mind and said the account had to be closed. Mr D said Vanquis should’ve told him this earlier. What happenedMr D sai... (2 pages)View decision -
Decision Reference DRN-2008880
3 Sep 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2008880The complaintMr F’s complaint is that he received a statement after his credit card account with Vanquis Bank Limited was closed. He wants compensation for the stress this caused him. What happenedMr F contacted Vanquis on 17 March and asked to close his credit card account. He ... (2 pages)View decision -
Decision Reference DRN-1371870
11 Aug 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1371870 The complaintMiss R complains that Vanquis Bank Limited wrongly registered a default in respect of her credit card account and is unfairly pursuing her for money it says she owes. What happenedMiss R opened a credit card account with Vanquis in 2010. By May 2015 she had stopped... (2 pages)View decision -
Decision Reference DRN-1901569
8 Aug 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1901569The complaintMs P’s complaint about Vanquis Bank Limited (Vanquis) relates to the interest rate on her credit card and the level of reduction she feels Vanquis agreed to but did not then apply. She further complains that she asked Vanquis to provide her with a breakdown of her b... (3 pages)View decision -
Decision Reference DRN-1457042
5 Aug 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1457042The complaintMr H complains that Vanquis Bank Limited (Vanquis) refused to allow him to opt out of receiving his credit card statement by post. What happenedMr H has a credit card with Vanquis and telephoned them requesting they stop sending him credit card statements by post as... (2 pages)View decision -
Decision Reference DRN-1864814
1 Aug 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1864814 The complaintMs A complains that Vanquis Bank Limited unfairly registered a default on her credit file without telling her. What happenedMs A says Vanquis registered the default in September 2019, but she didn't receive any notice of that. She says that had she known then ... (2 pages)View decision
