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-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (2 pages)View decision -
Decision Reference DRN-1632531
1 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1632531The complaintMr L is unhappy with Vanquis Bank Limited’s handling of his credit card balance. He thinks they have sold his debt to another company unfairly. What happenedMr L has a credit card with Vanquis. Due to some financial difficulties over the last couple of years, Mr L e... (2 pages)View decision -
Decision Reference DRN8683814
31 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited (“Vanquis”) registered a default against her and passed her debt on to a debt recovery agent. She believes that she provided Vanquis with her updated address and that Vanquis did not contact her at that address before registering the default. She ... (3 pages)View decision -
Decision Reference DRN-1137389
24 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1137389 The complaintMr K complains that Vanquis Bank Limited continued to charge interest on his credit card account when he’d told it he was experiencing financial difficulties. What happenedMr K had a credit card with Vanquis, and he contacted it at the end of 2016 when he was havin... (2 pages)View decision -
Decision Reference DRN-1655090
20 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1655090 The complaintMr S complains that Vanquis Bank Limited allowed him to discuss details of his credit card account without correctly passing the data protection questions. So, he doesn’t think it’s fair that they’ve continued to add charges to that account for his failure to pay h... (2 pages)View decision -
Decision Reference DRN7892972
18 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMr F is complaining about irresponsible lending by Vanquis Bank Limited.backgroundMr F doesn’t think Vanquis should have increased his credit limit. Mr F wants a refund on the interest and late payments he’s incurred. He also wants arrangement markers removed from his credit file.Vanquis d... (1 page)View decision -
Decision Reference DRN2262001
13 Mar 2020 Vanquis Bank Limited UpheldBanking and creditMrs R, on behalf of Mr S, is unhappy that Vanquis Bank Limited hasn’t upheld his section 75 claim under the Consumer Credit Act 1974.backgroundMr S purchased a TV which had a warranty. The TV suffered damage called screen burn. The retailer said this issue wasn’t covered under the warranty... (2 pages)View decision -
Decision Reference DRN-1151573
11 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1151573 The complaintMr C complains that Vanquis Bank Limited sent him an email offering a limit increase on his credit card account which he thinks was misleading and unfair. What happenedMr C has a credit card with Vanquis Bank and it sent him an email saying that he was eligible to ... (2 pages)View decision -
Decision Reference DRN6556611
10 Mar 2020 Vanquis Bank Limited UpheldBanking and creditMr C has complained Vanquis Bank Limited is expecting him to pay £1,500 for a transaction he didn’t authorise.backgroundOn 3 February 2018 Mr C reported his Vanquis credit card missing. He wasn’t completely sure when it’d gone missing but he wondered whether this had happened when he was a... (3 pages)View decision -
Decision Reference DRN1313724
2 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMr S makes a number of complaints about Vanquis Bank Limited following unauthorised credit card transactions.backgroundMr S says there were a number of unauthorised credit card transactions on his credit card statement which meant he was being asked to pay a higher minimum repayment amount... (2 pages)View decision
