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 DRN4621318
2 Jan 2020 Vanquis Bank Limited Not upheldBanking and creditMr K is unhappy that Vanquis Bank Limited didn’t do enough to help him after he set up a direct debit incorrectly.background When Mr K set up a direct debit for payments to his Vanquis credit card in August 2017, he mistakenly provided incorrect details – Mr K was in hospital at the time. ... (3 pages)View decision -
Decision Reference DRN8694225
30 Dec 2019 Vanquis Bank Limited Not upheldBanking and creditMr H complained because Vanquis Bank Limited recorded an ‘’Arrangement to pay’’ on his credit file. He wants Vanquis to record a ‘’Default’’ instead.backgroundMr H had a Vanquis credit card with a limit of £1,500. He exceeded the limit and had a balance of around £1,850. Mr H wasn’t able t... (2 pages)View decision -
Decision Reference DRN0630657
30 Dec 2019 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable.backgroundMr H says he was offered a Vanquis credit card in 2016 that was unaffordable. He says at the time he had two County Court Judgements (CCJ’s) recorded on his cred... (2 pages)View decision -
Decision Reference DRN3048702
25 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited won’t refund two cash machine withdrawalsthat she says she didn’t make or authorise anyone to make.backgroundMiss M’s Vanquis credit card was used to make two cash machine withdrawals either side ofmidnight on 12/13 March 2018. Each withdrawal was... (2 pages)View decision -
Decision Reference DRN9163868
15 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited has debited his credit card account with £164.28.He says he didn’t agree to or otherwise authorise the payment.backgroundSome years ago, Mr A had a selling account with Amazon. As part of the agreementbetween them, Mr A would pay fees to Amazon, bas... (3 pages)View decision -
Decision Reference DRN0685426
13 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditComplaint Mrs F complains (through her representative Mr C) that Vanquis Bank Ltd (VBL) made several increases to the credit limit on her credit card without following the rules of responsible lending. This led to her suffering financial hardship. Background Mrs F opened a credit card with... (4 pages)View decision -
Decision Reference DRN9093854
4 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMr O complains that Vanquis Bank Limited have caused him distress and inconvenience by not providing him with all the information he requested as part of a subject access request.backgroundMr O has a credit card account with Vanquis that he took out in June 2017. In January 2018 the accoun... (3 pages)View decision -
Decision Reference DRN9896149
4 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMr O complains that Vanquis Bank Limited have applied unfair charges to his credit card account.backgroundMr O has a credit card account with Vanquis that he opened in June 2017.In September that year Mr O exceeded the £150 limit on the card. This meant he was charged a £12 fee. In October... (3 pages)View decision -
Decision Reference DRN9344374
4 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMrs H complains that Vanquis Bank Limited was wrong to reject her chargeback request.backgroundIn July 2017 Mrs H contacted Vanquis and said she wanted to dispute two transactions on her credit card account. Mrs H had made payments of £288.04 on 11 May 2017 and £1134.16 on 3 July 2017 to a... (3 pages)View decision -
Decision Reference DRN9758710
1 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditComplaintMr G complains that Vanquis Bank Ltd lent irresponsibly when it increased his credit card limit. BackgroundIn September 2013 Vanquis wrote to Mr G to say it intended to increase the limit on his credit card from £750 to £1,750 with effect from 16 October 2013. Vanquis’ letter said... (2 pages)View decision
