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 DRN8887570
11 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card with a £250 limit in 2012. backgroundIn August 2012 Mr M applied for a credit card with Vanquis. Mr M’s application said he was employed and earned around £16,000 a year. Van... (2 pages)View decision -
Decision Reference DRN8561846
11 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited agreed to accept payments of £30 a month towards a credit card debt but failed to set the arrangement up. As a result, he’s had to pay interest and charges and his credit file’s been affected. backgroundThe background to this ... (3 pages)View decision -
Decision Reference DRN6192586
10 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains about a credit card debt with Vanquis Bank Limited. He says Vanquis didn’t send him statements to show the spending on the account so he could settle the account or reach an agreement about repaying it. As a result, Mr M has paid additional interes... (3 pages)View decision -
Decision Reference DRN2707521
7 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited was irresponsible when it opened a credit card account for him and then increased the credit limit.backgroundMr S opened a credit card account with Vanquis in March 2011. It then increased the limit even though he says he’d... (2 pages)View decision -
Decision Reference DRN7076890
21 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited charges too much interest on her credit card and didn’t carry out enough checks when it increased her credit limit to an unaffordable level. She’s asked for a refund of the interest from the time she took out her card and... (2 pages)View decision -
Decision Reference DRN0496243
21 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited has treated him unfairly. He would like Vanquis to remove the default it recorded from his credit file.backgroundMr N had a credit card with Vanquis but after he fell into financial difficulties, Vanquis defaulted his account an... (2 pages)View decision -
Decision Reference DRN0893835
20 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMiss S complains about an email she received from Vanquis Bank Limited and about some warning notes which were placed on her credit file.backgroundMiss S received an email from Vanquis about her credit card account. She was upset by the tone of the email. When she c... (2 pages)View decision -
Decision Reference DRN9977472
17 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr N complains Vanquis Bank Limited restricted the use of his credit card after her tried to make a payment in May 2018. backgroundMr N has a Vanquis credit card. In May 2018 he tried to make a payment of £450 but Vanquis wasn’t able to verify the card details pr... (2 pages)View decision -
Decision Reference DRN6928966
10 Dec 2018 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited sent him unnecessary text messages against his wishes. Mr J also complains about the service he received from Vanquis when discussing what’d happened. background Mr J has a Vanquis credit card. He’s previously complained about rece... (3 pages)View decision -
Decision Reference DRN6588620
10 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr A complains Vanquis Bank Limited irresponsibly increased his credit limit on his credit card account.backgroundMr A took out a credit card in September 2012 with a credit limit of £500. In June 2016 Vanquis Bank reviewed the credit limit and increased it to £1250. An... (2 pages)View decision
