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 DRN5305467
28 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditMiss W complains about the way Vanquis Bank Limited handled her queries about increasing her credit card limit. backgroundMiss W has a credit card account with Vanquis. In June and July 2018 she spoke to it about whether her credit limit would be increased. Miss W b... (2 pages)View decision -
Decision Reference DRN0328412
13 Mar 2019 Vanquis Bank Limited UpheldBanking and creditMiss L complains Vanquis Bank Limited has recorded incorrect information on her credit file. backgroundMiss L had a credit card account with Vanquis. In 2016 she fell into financial difficulties when her partner became unwell. She was sent a default notice and she ... (3 pages)View decision -
Decision Reference DRN7184012
7 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited (“Vanquis”) are refusing to uphold a claim he has made under section 75 of the Consumer Credit Act 1974 (s75).background On 15 December 2017 Mr F took a group of clients out for dinner and bowling at a bowling alley. He made... (2 pages)View decision -
Decision Reference DRN8868366
6 Mar 2019 Vanquis Bank Limited UpheldBanking and creditMrs B complains about the way Vanquis Bank Limited dealt with her account after some payments were incorrectly refunded as part of a chargeback investigation. Mrs B complains that she wasn’t told when the refunds had been received and remained on a payment plan for se... (2 pages)View decision -
Decision Reference DRN6902527
4 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditThe consumer complains that Vanquis Bank Limited (Vanquis) hasn’t addressed him correctly in its correspondence with him and has refused to accept a bill of exchange as payment for his credit card balance. backgroundThe consumer took out a credit card with Vanquis in ... (2 pages)View decision -
Decision Reference DRN9805241
4 Mar 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited blocked his account and refused to accept payments from a debit card he had used previously. He is also unhappy that it contacted another bank about his debit card.backgroundIn November 2017, Mr M made a payment to his Vanq... (3 pages)View decision -
Decision Reference DRN9628747
8 Feb 2019 Vanquis Bank Limited Not upheldBanking and creditMrs T is unhappy that Vanquis Bank Limited rejected her claim under section 75 of the Consumer Credit Act 1974 (section 75) when she disputed the amount paid for a carpet.backgroundIn September 2017 Mrs T purchased a carpet using her Vanquis credit card.In the wee... (2 pages)View decision -
Decision Reference DRN9478171
6 Feb 2019 Vanquis Bank Limited Not upheldBanking and creditMs H is unhappy that Vanquis Bank Limited was unable to refund a disputed purchase.backgroundMs H paid £49.99 for some photographs at an event in January 2018. The disk drive she received was faulty. So she returned it by recorded delivery for a refund. But the me... (2 pages)View decision -
Decision Reference DRN8304495
24 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited sent him a replacement credit card without informing him beforehand. He’s also unhappy it wouldn’t send a further replacement to a different address.backgroundMr M’s Vanquis credit card was due to expire on 31 October 2018. So, ... (2 pages)View decision -
Decision Reference DRN5493920
14 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr W complains about the response of Vanquis Bank Limited (“VB”) to his complaint about an item he bought with his credit card.backgroundMr W says in January 2018 he bought a TV box overseas for £1,317.75 using his VB credit card. He says he was told he’d be able ... (2 pages)View decision
