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 DRN-2400692
23 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2400692 The complaint Mr S complains Vanquis Bank Limited (Vanquis) incorrectly re-debited his credit card account following a chargeback request. What happened Mr S says he purchased goods using his Vanquis credit card, but the goods never arrived. Mr S arranged for a chargeback with ... (2 pages)View decision -
Decision Reference DRN-2257174
22 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2257174 The complaint Ms W complains that Vanquis Bank Limited was irresponsible when giving her a credit card and credit limit increase. She also complains about the way Vanquis treated her when it was chasing her for payments. What happened In October 2014 Ms W was successful in appl... (3 pages)View decision -
Decision Reference DRN-2341163
21 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2341163 The complaint Mr H complains Vanquis Bank Limited approved him for a credit card that was unaffordable. He also complains Vanquis later further increased his credit limit without asking him. He says this put him in financial difficulty. What happened In September 2015 Mr H appl... (2 pages)View decision -
Decision Reference DRN-2255198
17 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2255198 The complaint Ms S complains that Vanquis Bank Limited trading as Chrome Card irresponsibly gave her a credit card account and later increased the credit limit. What happened Ms S says she opened the Chrome Card account whilst she was in an active Trust Deed and also had defaul... (2 pages)View decision -
Decision Reference DRN-2376372
17 Dec 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2376372 The complaint Mr R complains that Vanquis Bank Limited (“Vanquis”) take too long to let him use his full credit limit after he’s paid some of the balance off. He feels this is particularly unfair, as he’s paying what he feels is a high rate of interest on the balance owed. What... (3 pages)View decision -
Decision Reference DRN7434297
17 Dec 2020 Vanquis Bank Limited Not upheldBanking and creditMiss S complains about Vanquis Bank Limited’s refusal to give her a refund. background Miss S wanted to help her partner improve his employment prospects. To this end, she paid for his course with a supplier I will call “J”. According to Miss S, one of the reasons, her partner wanted to do... (3 pages)View decision -
Decision Reference DRN-2352245
17 Dec 2020 Vanquis Bank Limited Not upheldConsumer CreditDRN-2352245 The complaint Mr P complains Vanquis Bank Limited trading as Fresh Start (“Vanquis”) incorrectly applied a default to his loan account. He says he didn’t receive anything to let him know this was going to happen and he’s now unable to move forward with his financial plans. Mr P... (2 pages)View decision -
Decision Reference DRN-2324054
15 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2324054 The complaint Miss D complains that Vanquis Bank Limited irresponsibly lent to her and unlawfully applied a default to her credit file. What happened Vanquis’ records first show Miss D having an outstanding balance on her credit card in April 2013. Her credit limit at this time... (4 pages)View decision -
Decision Reference DRN-2075023
14 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2075023 The complaint Miss S complains that Vanquis Bank Limited didn’t raise a chargeback in respect of a holiday villa which didn’t meet expectations. What happened In Miss S arranged to rent a holiday villa abroad for her family. She did so using an online booking company I will cal... (2 pages)View decision -
Decision Reference DRN-2361219
13 Dec 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2361219 The complaint Ms C complains that Vanquis Bank Limited has not given her information about her account and that she has paid it more than she owes it. She also complains about the level of service she has received. What happened Ms C says she has asked Vanquis to tell her how m... (2 pages)View decision