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 1382 results
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Decision Reference DRN7717338
1 Feb 2021 Vanquis Bank Limited Not upheldBanking and creditComplaint Mr S complains Vanquis Bank Limited is unfairly holding him liable for a debt he is not responsible for. He wants the debt cleared and not to be pursued for repayment. Background Mr S is a customer of Vanquis. He opened a Vanquis card account in 2014. Between December 2017 and Ju... (5 pages)View decision -
Decision Reference DRN-2398773
25 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2398773 The complaint Mr I is unhappy that Vanquis Bank Limited suspended the use of his credit card account. What happened On 24 February 2020, Vanquis wrote to Mr I informing him of an overdue payment on his account and asking Mr I to contact them. Mr I didn’t contact Vanquis, so Van... (3 pages)View decision -
Decision Reference DRN-1994511
22 Jan 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1994511 The complaint Mr R complains about a credit card account he held with Vanquis Bank Limited. What happened In 2011, Mr R took out an account with Vanquis and was given a credit limit of £150. He tells us that he struggled to manage the account quite soon after this. He says he o... (3 pages)View decision -
Decision Reference DRN-1845505
21 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1845505 The complaint Miss E complains that Vanquis Bank Limited was irresponsible in offering her a loan of £2000. She’d now like the details of this loan removed from her credit file and all interest added to the loan to be refunded. In addition, Miss E is unhappy about a late paymen... (4 pages)View decision -
Decision Reference DRN-2411556
18 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2411556 The complaint Mr S is unhappy that Vanquis Bank Limited (Vanquis) didn’t tell him about a remaining debt on his credit card account which it reported to credit reference agencies. What happened Several years ago, Mr S entered into a debt management plan through an external orga... (2 pages)View decision -
Decision Reference DRN-2437951
15 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2437951 The complaint Mr D complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. He wants Vanquis to cancel the debt. What happened Mr D was accepted for a credit card by Vanquis in January 2013 with a limit of £500. The following credit limit increases were then app... (3 pages)View decision -
Decision Reference DRN-2195233
14 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2195233 The complaint Mrs E is unhappy with Vanquis Bank Limited’s response to her complaint about a transaction on her credit card account that she says she didn’t make or authorise. The bank has declined to refund her. What happened Mrs E noticed a transaction on her statement that s... (3 pages)View decision -
Decision Reference DRN-2496995
12 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2496995 The complaint Mr D complains that Vanquis Bank Limited sold his credit card debt fraudulently and the Notice of Assignment (NOA) was signed by a person who doesn’t work at Vanquis and so he believes it was forged. What happened In November 2019 Mr D complained to Vanquis that h... (3 pages)View decision -
Decision Reference DRN-2421225
8 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2421225 The complaint Mr P’s complained that the information recorded by Vanquis Bank Limited (“Vanquis”) on his credit file was wrong – which he believes disadvantaged him. What happened In the latter part of 2014, Mr P found himself in a position where he was advised to enter sequest... (2 pages)View decision -
Decision Reference DRN-2365092
28 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2365092 The complaint Mr B complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account that was unaffordable and then increased his credit limit. What happened Mr B says he opened the credit card account in 2015 and had a default registered on his credit... (2 pages)View decision