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 DRN3125645
1 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMs J complains that Vanquis Bank Limited allowed her to withdraw cash from her credit card account which resulted in her going over her credit limit.backgroundMs J says Vanquis should not have allowed her to make cash withdrawals which resulted in her credit limit being exceeded and charge... (2 pages)View decision -
Decision Reference DRN8376113
1 Nov 2019 Vanquis Bank Limited Not upheldBanking and creditMs T complains about a credit card she took out with Vanquis Bank Limited in 2013. She believes she should never have been allowed to take out the card as she could not afford to make the repayments. Ms T also says that Vanquis didn’t activate the repayment option plan (ROP) on her account... (2 pages)View decision -
Decision Reference DRN1046909
23 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMiss P complains about irresponsible lending by Vanquis Bank Limited, which contributed to charges and interest on her account and negative information on her credit file.backgroundMiss P opened a credit card account with Vanquis in 2009. She considers it was irresponsible of the bank to g... (2 pages)View decision -
Decision Reference DRN8466147
18 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMr W complains about the interest rate on his credit card account with Vanquis Bank Limited. He says the rate is much higher than he agreed to or expected, and Vanquis never confirmed it in writing.backgroundMr W opened a credit card account with Vanquis in 2015. During a phone call in 201... (2 pages)View decision -
Decision Reference DRN4282351
11 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited unfairly declined a claim he brought under section 75 of the Consumer Credit Act 1974. He wants compensation.backgroundMr K is represented in this complaint by his partner, Miss W, but for ease of reading I’ll mostly refer to him.Mr K tells us that ... (3 pages)View decision -
Decision Reference DRN3908195
9 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited failed to activate his repayment option plan (ROP) when he fell into financial difficulties. He wants Vanquis to backdate the plan to November 2015, put his account right and amend his credit file.backgroundMr S took out a credit card with Vanquis. ... (4 pages)View decision -
Decision Reference DRN6285451
8 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited won’t refund disputed card transactions totalling more than £650, that he says he neither made nor authorised.backgroundBetween 22 and 27 December 2017 Mr A’s Vanquis credit card was used to make eight payments that he says he didn’t authorise. Thre... (2 pages)View decision -
Decision Reference DRN5447585
8 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited (Vanquis) won’t compensate her for what she says were fraudulent withdrawals of money made using her credit card. She says that as she hadn’t received a statement for a couple of months she wasn’t aware of the fraud until her card was later decline... (2 pages)View decision -
Decision Reference DRN4382084
8 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMr A said that a cash machine only dispensed £10 instead of the £230 he’d asked for. He complained because Vanquis Bank Limited said the machine had dispensed the right amount, and wouldn’t refund him the balance.backgroundAt around 3pm on 2 November 2018, Mr A used his Vanquis credit card... (3 pages)View decision -
Decision Reference DRN6843855
25 Sep 2019 Vanquis Bank Limited Not upheldBanking and creditComplaint Mr S complains that Vanquis Bank Limited debited his account with a series of card payments totalling £74.95 which he says he didn’t make or otherwise authorise. Some of these payments have been refunded through the chargeback process, so £44.97 remains in dispute. BackgroundIn M... (2 pages)View decision
