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 1126 results
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Decision Reference DRN-5209933
14 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5209933 The complaint Mrs J complains that Vanquis Bank Limited refused to freeze interest or put her on a payment plan when she was experiencing financial difficulties. She’s also unhappy that a default has been registered on her credit file. What happened Mrs J holds a credit card... (3 pages)View decision -
Decision Reference DRN-5258538
13 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5258538 The complaint Mr J complains that Vanquis Bank Limited (Vanquis) defaulted his account. What happened Mr J had a credit card from Vanquis. The limit was £3,000. In the middle of 2023, he ran into difficulty as he had lost his job, suffered from a difficult relationship break... (3 pages)View decision -
Decision Reference DRN-5201017
13 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5201017 Complaint Mr E has complained about a credit card Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsible to lend to him. Background In January 2019, Vanquis provided Mr E with a c... (3 pages)View decision -
Decision Reference DRN-5247107
11 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5247107 The complaint Mr B complains that Vanquis Bank Limited (‘Vanquis’) took too long to provide him with information about a cancelled direct debit instruction. What happened I issued my provisional decision on this complaint at the end of last year. An extract from that provis... (2 pages)View decision -
Decision Reference DRN-5178015
10 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5178015 The complaint Ms F complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened In March 2019 Ms F applied for a credit card with Vanquis. In her application, Ms F said she was employed with an income of £31,500 a year w... (3 pages)View decision -
Decision Reference DRN-5231400
9 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5231400 The complaint Mr C, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr C took out a credit card from Vanquis in May 2013. He was given an opening credit limit of £500. He then received six credit limit increases as set out below: ... (3 pages)View decision -
Decision Reference DRN-5171936
9 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5171936 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. Mr C is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr C himself. W... (4 pages)View decision -
Decision Reference DRN-5161462
8 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5161462 The complaint Mr A has complained that Vanquis Bank registered a fraud marker against him. What happened Mr A had an account with Vanquis. In 2020, they asked him for proof of identity, which wasn’t received, so they closed the account. Separately, Vanquis registered a fraud... (2 pages)View decision -
Decision Reference DRN-5193406
8 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5193406 The complaint Miss D complains about issues she experienced when her account with Vanquis Bank Limited was closed. What happened Miss D opened a credit card account with Vanquis in March 2021. On 30 May 2023 Vanquis wrote to Miss D to advise her that the APR on the account w... (3 pages)View decision -
Decision Reference DRN-5171035
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5171035 The complaint Mr K complains about charges applied to his credit card by Vanquis Bank Limited. What happened Mr K had a credit card with Vanquis that was closed at default due to missed payments in 2014. Before the credit card was closed, Vanquis applied overlimit and late ... (2 pages)View decision
