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 DRN7609093
16 Sep 2019 Vanquis Bank Limited Not upheldBanking and creditMr B is unhappy with the response from Vanquis Bank Limited (Vanquis) when he asked it to send him a new card. backgroundMr B contacted Vanquis to send him a new card in 2018. Vanquis told Mr B that as the address he’d given was registered to a public property; it couldn’t send him the car... (2 pages)View decision -
Decision Reference DRN9888636
13 Sep 2019 Vanquis Bank Limited UpheldBanking and creditMrs C complains she was the victim of identity theft when a credit card was set up in her name through Vanquis Bank Limited.backgroundI set out the background of this complaint, and my provisional findings, in my provisional decision dated 9 August 2019. I gave both parties the opportunity... (4 pages)View decision -
Decision Reference DRN9908436
11 Sep 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited rejected his section 75 claim when he complained about issues he’s experienced with a caravan.background In April 2016 Mr A purchased a caravan and paid a deposit of £500 using his Vanquis credit card.In March 2018 Mr A had the caravan serviced. The... (3 pages)View decision -
Decision Reference DRN7627482
3 Sep 2019 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis Bank Limited is asking him to repay far more than he thinks he owes. He also complains that it has charged him £100 for going over his limit, or paying late and he has no chance of getting out of the debt he’s in.backgroundMr B opened his Vanquis account in 2011 – I ... (2 pages)View decision -
Decision Reference DRN1712647
7 Aug 2019 Vanquis Bank Limited Not upheldBanking and creditMiss Z complains that Vanquis Bank Limited is holding her liable for a debt incurred on a credit card that someone fraudulently obtained using her details. backgroundIn August 2017 Vanquis received an online application for a credit card, apparently from Miss Z. It accepted the application... (2 pages)View decision -
Decision Reference DRN3142626
6 Aug 2019 Vanquis Bank Limited Not upheldBanking and creditMr D complains about what happened when he wasn’t able to make payments onto his credit card account with Vanquis Bank Limited.backgroundMr D lost his job and got behind with payments to his credit card account. He said Vanquis kept ringing him and asking him to set up a payment plan. It d... (3 pages)View decision -
Decision Reference DRN1747089
5 Aug 2019 Vanquis Bank Limited Not upheldBanking and creditMs B complains Vanquis Bank Limited (“Vanquis”) defaulted her account without telling her and they’ve failed to send her a statement of her account.backgroundMs B came to us as she was unhappy with the response from Vanquis to her complaint. Vanquis didn’t uphold the complaint and said aft... (2 pages)View decision -
Decision Reference DRN3160436
26 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited lent irresponsibly when it increased his credit card limit in May 2015 and May 2016. backgroundMr K had a credit card with Vanquis. In May 2015 Vanquis contacted Mr K and said it was going to increase his credit limit from £1,000 to £1,750. A year l... (2 pages)View decision -
Decision Reference DRN8442720
19 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited (Vanquis) hasn’t agreed to his request for it to delete all of the data it holds about him. backgroundMr G held a credit card with Vanquis. Vanquis agreed to accept a partial settlement of the balance of Mr G’s card, and the account was closed. Afte... (2 pages)View decision -
Decision Reference DRN6006594
18 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMiss B complains that Vanquis Bank Limited lent to her irresponsibly when it increased her credit card limit over several years.backgroundMiss B took out a credit card with Vanquis in 2012 with an initial credit limit of £250. Over the next two years, Vanquis increased the credit limit on ... (2 pages)View decision
