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-2328630
30 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2328630 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it granted him a credit a card account with a credit limit of £500 and again when it increased his credit limit to £1,250. What happened In March 2017 Mr H applied for a credit card acco... (4 pages)View decision -
Decision Reference DRN-2105470
30 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2105470 The complaint Mr J complains about a credit card provided by Vanquis Bank Limited. He feels the decision to lend to him was irresponsible, and says if Vanquis had completed proper checks, they would have seen that he was in financial difficulty and they shouldn’t have lent to h... (2 pages)View decision -
Decision Reference DRN-2373358
24 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2373358 The complaint Mr R complains that Vanquis Bank Limited (Vanquis) incorrectly registered a default on his credit file. What happened Mr R had a credit card account with Vanquis. Mr R says he agreed a payment plan with Vanquis, but even so a default was registered on his credit f... (3 pages)View decision -
Decision Reference DRN-2361642
19 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2361642 The complaint Mr M complained that Vanquis Bank Limited defaulted his account when he was still trying to set up a payment plan. What happened Mr M originally complained about charges applied to his credit card account by Vanquis. Our service dealt with that issue separately. T... (3 pages)View decision -
Decision Reference DRN-2262192
19 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2262192 The complaint Miss W complained that Vanquis Bank Limited was charging her much more than she expected to pay, for her monthly minimum payment. What happened Miss W said that her March 2020 card statement showed a balance of £80.58, but the statement was asking for a payment of... (4 pages)View decision -
Decision Reference DRN8286789
13 Nov 2020 Vanquis Bank Limited UpheldBanking and creditComplaint Miss H is unhappy that Vanquis Bank Limited won’t agree to write off an outstanding debt she owes. Background Miss H has an outstanding debt to Vanquis which she says she can no longer afford to pay. At the time she referred her complaint to us, it was a little under £1,500. Her ... (3 pages)View decision -
Decision Reference DRN-2315590
11 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2315590 The complaint Mr H complains that Vanquis Bank Limited increased its lending to him on his credit card account, even though he had no job and a gambling addiction. What happened Mr H took out a credit card account with Vanquis in 2011. He said Vanquis repeatedly raised his cred... (4 pages)View decision -
Decision Reference DRN-2293555
11 Nov 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2293555 The complaint Ms A says that Vanquis Bank Limited (Vanquis) lent to her irresponsibly. She feels adequate checks weren’t completed and she was constantly chased for payment. Ms A wants a refund of charges paid, her credit file to be updated and all accounts closed. What happene... (3 pages)View decision -
Decision Reference DRN3925981
28 Oct 2020 Vanquis Bank Limited UpheldBanking and creditMrs O complains that Vanquis Bank Limited has refused her a refund. background Mrs O told us that her daughter, who is a child, was shortlisted for a modelling competition. It is not entirely clear how Mrs O was initially contacted about this, although Mrs O had been looking online for inf... (5 pages)View decision -
Decision Reference DRN-2274390
28 Oct 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2274390 The complaint Mr S complains about Vanquis Bank Limited and their decision to offer him a credit card. What happened In late 2017, Mr S applied for a credit card with Vanquis. This application was approved, and Mr S was given a £250 credit limit. This limit has not been increas... (3 pages)View decision