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 DRN8721749
19 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMs R complains that Vanquis Bank Limited lent irresponsibly to her.backgroundMs R opened an account with Vanquis in March 2013. She was able to make minimum monthly payments at first. But she started to get into arrears in November 2014. Ms R got her payments up to... (2 pages)View decision -
Decision Reference DRN8639250
17 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited rejected his claims under Section 75 Consumer Credit Act and it was unhelpful in dealing with duplicate payments. backgroundMr G went on a cruise with a company I’ll call R and used his Vanquis credit card to register his booki... (2 pages)View decision -
Decision Reference DRN5519992
12 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMr R is unhappy with the interest and charges that Vanquis Bank Limited have applied to his credit card account. backgroundMr R is unhappy with the charges added to his credit card account. He says that he can’t afford to pay for them based on his monthly income. He ... (3 pages)View decision -
Decision Reference DRN2056126
31 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr R complains about the service he received from Vanquis Bank Limited (Vanquis) when he complained about a failed ATM transaction.backgroundWhen an ATM failed to dispense Mr R’s money, he contacted Vanquis. He said that the money had debited his account but had no... (1 page)View decision -
Decision Reference DRN5271817
22 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited acted irresponsibly in approving his credit card application, which he says was unaffordable.backgroundVanquis approved a credit card application from Mr M in May 2015. This followed a telephone call with him in which he decl... (3 pages)View decision -
Decision Reference DRN9203360
18 Apr 2018 Vanquis Bank Limited Not upheldBanking and creditMr F complains about the action Vanquis has taken on his credit card account. He says he missed a number of monthly repayments because of an error made by his bank with his direct debit. Yet he says Vanquis has continued to ask him to repay arrears and told him th... (2 pages)View decision -
Decision Reference DRN5513819
13 Apr 2018 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited acted irresponsibly when it increased her credit limit in 2015. backgroundMiss W opened a Vanquis credit card account in January 2014 with a credit facility of £500. It carries out a risk assessment of all its customers ev... (2 pages)View decision -
Decision Reference DRN6462251
3 Apr 2018 Vanquis Bank Limited Not upheldBanking and creditMr J complains about how Vanquis Bank Limited has managed his credit card account.backgroundMr J told us that over a period of time Vanquis has made repeated mistakes on his account. He said that he was unhappy that he’d been given incorrect information about his p... (5 pages)View decision -
Decision Reference DRN7875561
20 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMr P is unhappy that Vanquis Bank Limited hasn’t given him his money back through a chargeback or section 75 claim for incomplete services.backgroundI issued my provisional decision in March 2018, which is attached and forms part of my final decision. In my provisional ... (4 pages)View decision -
Decision Reference DRN0635903
17 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it allowed him a credit card which was unaffordable and then increased his limit. He would like Vanquis to refund all interest and late payment charges on the account and clear related adv... (2 pages)View decision
