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 DRN6540200
24 May 2019 Vanquis Bank Limited Not upheldBanking and creditMiss O complains that Vanquis Bank Limited (Vanquis) didn’t cancel a transaction on her account. She would like this to be investigated. And the amount she lost refunded.backgroundMiss O says on 12 May 2018 she paid a £2,200 deposit for a car for her daughter u... (2 pages)View decision -
Decision Reference DRN7304664
9 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr R says Vanquis Bank Limited irresponsibly gave him a credit card. He wants a refund of all interest he paid and his credit file amended.backgroundVanquis said in its final response that it’s a responsible lender and takes into account an individual’s personal circ... (2 pages)View decision -
Decision Reference DRN7662617
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited sold his outstanding balance to a debt collection agency.backgroundFrom July 2014 until June 2016, Mr I had his credit card account with Vanquis frozen under a repayment option plan (ROP). On 10 March 2016, Vanquis wrote to Mr I... (3 pages)View decision -
Decision Reference DRN5417320
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr R complains about a default that Vanquis Bank Limited placed on his credit file. background Mr R told us that he’d taken out a credit card account with Vanquis in or around 2014. He said that he’d been subject to a bankruptcy order in February 2015. After that, V... (5 pages)View decision -
Decision Reference DRN3567685
15 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMr O complains about Vanquis Bank Limited (“Vanquis”) over its communication with him when he requested a copy of his agreement. backgroundDuring 2018 Mr O began receiving letters from a debt collection company. These letters referred to a Vanquis account belonging to M... (3 pages)View decision -
Decision Reference DRN1906110
11 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMrs L complains that Vanquis Bank Limited (“Vanquis”) were wrong to reject her chargeback request.backgroundMrs L bought two dresses, using a credit card issued by Vanquis in October 2018. She says she intended to keep one and return the other. Unfortunately, both we... (2 pages)View decision -
Decision Reference DRN4205325
9 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited (“Vanquis”) has rejected his claim under section 75 of the Consumer Credit Act (1974) (“s75”).backgroundMr B had a conservatory built in 2018. He says the invoiced price was £30,500 but this was reduced to £26,500 when he cha... (2 pages)View decision -
Decision Reference DRN9551634
9 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited has charged him £0.49 per month but hasn’t explained what that was for. He says he’s been caused stress trying to find out what it’s for and would like £100 compensationbackgroundMr S has a Vanquis credit card and says he’s be... (2 pages)View decision -
Decision Reference DRN6323683
30 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditMiss B complains Vanquis Bank Limited placed a block on her credit card account without notifying her, which resulted in a declined payment and caused her embarrassment. She’s also unhappy with Vanquis’ security processes overall. backgroundMiss B contacted Vanquis to d... (2 pages)View decision -
Decision Reference DRN8623548
30 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited lent irresponsibly when it approved credit limit increases for her credit card. Miss M also complains about the service she received when she called to discuss her credit card and complain. backgroundMiss M applied for a Vanquis... (3 pages)View decision
