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 DRN8537247
17 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited added a Value Saver membership to her credit card account without her knowledge.To settle matters Mrs S would like the monthly payments refunded from when she took out the Value Saver membership in 2013.backgroundMrs S is represented in her complai... (2 pages)View decision -
Decision Reference DRN5522830
11 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis bank Limited allowed a fraudster to open an account in his name.backgroundIn 2014, a credit card account with Vanquis was opened in Mr B’s name. Mr B said he did not open this. The account was then used and managed until March 2017.At around this time, Mr B contact... (2 pages)View decision -
Decision Reference DRN5973342
4 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMr W complains Vanquis Bank Limited allowed an unauthorised transaction to be taken from his account. He says it also shared his new account details with a third party.backgroundMr W had a previous subscription with a breakdown company – R. He says the renewal price R quoted was too high... (2 pages)View decision -
Decision Reference DRN6937585
3 Feb 2020 Vanquis Bank Limited UpheldBanking and creditComplaintMiss M complains that Vanquis Bank Limited didn’t change her address after she moved abroad. Miss M also complains that her credit card account was defaulted after she had difficulties receiving statements and making payments. BackgroundMiss M opened a Vanquis credit card in 2013.... (2 pages)View decision -
Decision Reference DRN1793560
31 Jan 2020 Vanquis Bank Limited Not upheldBanking and creditComplaintMs B complains that Vanquis Bank Limited lent irresponsibly when it increased her credit limit whilst she was in an IVA. BackgroundMs B has told us she was party to an IVA between 2011 and 2016. In November 2012 Ms B opened a credit card with Vanquis with a credit limit of £250. I... (2 pages)View decision -
Decision Reference DRN7097839
29 Jan 2020 Vanquis Bank Limited UpheldBanking and creditMiss L complains that it was irresponsible of Vanquis Bank Limited (“Vanquis”) to increase the credit limit on her credit card.background Miss L opened a credit card account with Vanquis in October 2011. The initial credit limit was £250. The limit was increased four times in the period fr... (2 pages)View decision -
Decision Reference DRN8618592
23 Jan 2020 Vanquis Bank Limited UpheldBanking and creditComplaintMr G complains that Vanquis Bank Limited rejected his claim under Section 75 Consumer Credit Act 1974 (CCA 1974) in respect of a faulty car.BackgroundIn September 2017 Mr G bought a second hand car. It cost £3,995 and had done some 40,000 miles. The car broke down the following da... (3 pages)View decision -
Decision Reference DRN-1394708
17 Jan 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1394708 The complaint Ms G is unhappy with the way in which Vanquis Bank Limited has administered her credit card account. What happenedMs G held a credit card account with Vanquis. In 2016, she fell behind with her payments and agreed a repayment plan. The plan was updated in July 201... (2 pages)View decision -
Decision Reference DRN9189840
9 Jan 2020 Vanquis Bank Limited Not upheldBanking and creditMr P complained because Vanquis Bank Limited increased the minimum monthly payment on his credit card. He also complained about texts which Vanquis sent, and the fact that he couldn’t speak to someone as senior as he wanted.Mr P wants an apology for the way Vanquis do things; all fees remo... (3 pages)View decision -
Decision Reference DRN1917914
3 Jan 2020 Vanquis Bank Limited Not upheldBanking and creditMr E complains about the credit card he had with Vanquis Bank Limited (“Vanquis”). backgroundFor ease, in my decision I will refer to Mr E when talking about him or his representative.In 2016 Mr E applied online for a credit card with Vanquis. Vanquis then phoned him and asked some further... (4 pages)View decision
