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
-
Decision Reference DRN5264787
20 May 2020 Vanquis Bank Limited Not upheldBanking and creditMr H thinks that Vanquis Bank Limited shouldn’t have put a default on his credit file in 2013. He also thinks Vanquis was wrong to not offer him any potential protection for ill health which would’ve covered his monthly payments around this time, when he started to struggle financially. ba... (2 pages)View decision -
Decision Reference DRN-1695834
20 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1695834 The complaintMr G complains that Vanquis Bank Limited accepted his application for a credit card and increased his limit when he says he couldn’t reasonably afford it. What happenedMr G applied for a credit card with Vanquis in October 2015. His application was accepted and Van... (3 pages)View decision -
Decision Reference DRN-1729110
8 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1729110 The complaintMiss F complains that Vanquis Bank Limited won’t refund her £300 after a cash machine failed to dispense her money. What happenedMiss F has a credit card account with Vanquis.On the 9 May 2019 Miss F attempted to withdraw £300 from her Vanquis credit card, using a ... (2 pages)View decision -
Decision Reference DRN-1298964
7 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1298964 The complaintMr F complains about his card being blocked and a purchase being declined.The details of this complaint are well-known to both parties, so I will not repeat them again here. Instead, I will focus on giving the reasons for my decision. My findingsI’ve considered all... (2 pages)View decision -
Decision Reference DRN-1316391
5 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1316391The complaintMiss M complains that Vanquis Bank Limited shouldn’t have approved her application for a credit card. She’s also unhappy it irresponsibly increased her credit limit when it shouldn’t have done so. What happenedMiss M applied for a credit card with Vanquis in 2016. B... (3 pages)View decision -
Decision Reference DRN-1229558
29 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1229558The complaintMiss N complains about the interest rate Vanquis Bank Limited has charged her. What happenedThe details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on setting out the reasons for my decision. What I’ve deci... (2 pages)View decision -
Decision Reference DRN5895647
28 Apr 2020 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited won’t refund credit card payments made for the hire of a motor home. backgroundIn October and November 2018 payments were made using Mr W’s Vanquis credit card to a company which hires out motor homes. They totalled £665. Mr W says that the company... (2 pages)View decision -
Decision Reference DRN5647258
21 Apr 2020 Vanquis Bank Limited UpheldBanking and creditMr F complains that Vanquis Bank Limited declined his claim for compensation under section 75 of the Consumer Credit Act 1974 in respect of his hire of a wedding venue. He is represented in this complaint by his wife.backgroundMr F hired a venue for his wedding, and paid part of the cost w... (3 pages)View decision -
Decision Reference DRN-1624116
17 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1624116The complaintMr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happenedMr H applied for a credit card with Vanquis in July 2016. In the application, Mr H said he was working full time and earned £24,000. Vanquis review... (2 pages)View decision -
Decision Reference DRN-1194040
15 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1194040 The complaintMrs D complains about charges applied to her Vanquis Bank Limited credit card account. She said she was overcharged for late payments and overlimit fees on the card. She wanted Vanquis to refund these charges. What happenedMrs D opened a credit card account with Va... (2 pages)View decision
