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 DRN4829747
24 Sep 2018 Vanquis Bank Limited Not upheldBanking and creditMiss E says Vanquis Bank Limited (‘Vanquis Bank’) shouldn’t have approved her for a credit card. And she also thinks it failed to support her when she was having trouble making payments.backgroundIn November 2015 Vanquis approved Miss E for a credit card with a £500... (3 pages)View decision -
Decision Reference DRN0179906
18 Sep 2018 Vanquis Bank Limited Not upheldBanking and creditMr L complained to Vanquis Bank Limited, when they didn’t reply to three of his emails in May 2017. Mr L later referred his complaint to us because he didn’t think Vanquis had offered him enough compensation for the distress and inconvenience this had caused him. bac... (2 pages)View decision -
Decision Reference DRN9683419
18 Sep 2018 Vanquis Bank Limited UpheldBanking and creditMs B complains that Vanquis Bank Limited (Vanquis) is pursuing her for a loan debt for which she says she is not liable. She believes she has been a victim of identity theft and disputes that she ever took out a loan with either Vanquis or its third party sister ... (2 pages)View decision -
Decision Reference DRN4222725
3 Sep 2018 Vanquis Bank Limited Not upheldBanking and creditMiss C is unhappy Vanquis Bank Limited kept increasing the credit limit on her account when she couldn’t afford it. She says this was irresponsible lending. Miss C wants the interest to be refunded and/or the balance on the account to be written off.backgroundMiss C ... (3 pages)View decision -
Decision Reference DRN1787430
22 Aug 2018 Vanquis Bank Limited UpheldBanking and creditMrs C complains that Vanquis Bank Limited raised her credit card account limit when she couldn’t pay the money back.backgroundMrs C said that she opened a credit card account with Vanquis. She said that she started out with a credit limit of £250, but over time Vanqui... (5 pages)View decision -
Decision Reference DRN4551890
20 Aug 2018 Vanquis Bank Limited UpheldBanking and creditMr H says Vanquis Bank Limited should not have increased his credit card limit from £500 to £1,500. backgroundMr H says what Vanquis did was irresponsible. He says when it automatically raised his credit limit he was reliant on payday lending, and this added to his ... (6 pages)View decision -
Decision Reference DRN2509152
7 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMs M complains that Vanquis Bank Limited gave her a credit card and increased balances which were unaffordable. She says it was irresponsible of Vanquis to do this.backgroundIn June 2011, Ms M applied for and was granted a credit card with Vanquis with an initial lim... (2 pages)View decision -
Decision Reference DRN3717199
3 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that Vanquis Bank Limited was irresponsible as it lent her money that she could not afford to repay.backgroundMrs W applied for a credit card with Vanquis in August 2012. She was subject to an individual voluntary agreement (IVA) at the time. She was u... (2 pages)View decision -
Decision Reference DRN0682985
2 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains about the difficulties in establishing a reliable repayment method for his credit card account with Vanquis Bank Limited (Vanquis). backgroundIn late 2017 Mr M contacted us to complain about the difficulties he’d had in making direct debit payments and oth... (3 pages)View decision -
Decision Reference DRN9928394
20 Jul 2018 Vanquis Bank Limited UpheldBanking and creditMiss R complains about Vanquis Bank Limited (“Vanquis”) concerning its decisions to allow her to open a credit card account and then to increase her credit limit on two occasions. Miss R believes that the lending was irresponsible. She also complains that Vanquis encour... (4 pages)View decision
