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 DRN0453042
17 Jul 2019 Vanquis Bank Limited UpheldBanking and creditMrs W complains that information Vanquis Bank Limited recorded on her credit file is incorrect and hasn’t been removed. background Mrs W opened a Vanquis credit card in November 2011. In October 2012 she entered a debt management plan through a debt charity and Vanquis accepted £5 per mont... (3 pages)View decision -
Decision Reference DRN8133495
17 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited (“VBL”) declined her claim about a faulty car under s75 Consumer Credit Act.backgroundMs H says she acquired a car using her credit card with VBL. She says the supplying dealership misrepresented the mileage. And she says the car broke down twice wi... (2 pages)View decision -
Decision Reference DRN4616579
28 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMrs M complains that Vanquis Bank Limited didn’t carry out proper affordability checks before it approved her application for a credit card. She’s been assisted in bringing her complaint by her father, Mr L.backgroundIn or about November 2014 Mrs M applied online for... (3 pages)View decision -
Decision Reference DRN4914012
25 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMrs C says she tried twice to update a direct debit payment through the Vanquis Bank Limited online service but it failed to allow her to do so. She’d now like to be compensated adequately for her time and trouble in dealing with this.backgroundMrs C says she wanted to amend the details fo... (2 pages)View decision -
Decision Reference DRN8668537
21 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited wrongly opened a credit card account for him, and later increased the account’s credit limit.backgroundMr R opened a credit card account with Vanquis in 2014. Mr R has a number of health issues which he doesn’t think Vanquis pr... (2 pages)View decision -
Decision Reference DRN3049854
20 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited lent to him irresponsibly when it increased his credit card limit from £250 to £3,000 over a period of two years.backgroundMr T opened a credit card account with Vanquis in February 2015 with a credit limit of £250. The credit... (2 pages)View decision -
Decision Reference DRN1424133
14 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited kept increasing the credit limit on his account when he couldn’t afford it. He says that this was irresponsible lending. backgroundMr A had a credit card with Vanquis over a number of years. Over time, Vanquis increased his c... (2 pages)View decision -
Decision Reference DRN8648761
4 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMs P complains that Vanquis Bank Limited has applied unfair and illegal charges to her credit card account.backgroundMs P says Vanquis has applied a number of charges to her account since she opened it in 2003. She says the charges are unfair and illegal and she wo... (2 pages)View decision -
Decision Reference DRN6147698
30 May 2019 Vanquis Bank Limited UpheldBanking and creditMr G has complained Vanquis Bank Limited added charges to his credit card account. He was also concerned at the number of phone calls he received when he was unable to pay his monthly bill.backgroundMr G opened a credit card account with Vanquis in 2013. At the tim... (4 pages)View decision -
Decision Reference DRN4191503
28 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited rejected his section 75 claim when he complained about the non delivery of a laptop purchased from a third party supplier using his Vanquis credit card.backgroundIn April 2018 Mr M purchased a laptop online and paid with his ... (2 pages)View decision
