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-1557418
15 Jun 2020 Vanquis Bank Limited Not upheldBanking and PaymentsThe complaint Miss H believes Vanquis Bank Limited lent to her irresponsibly and shouldn't have accepted her credit card application. She also thinks it shouldn't have later increased her credit limit and shouldn't charge interest on the credit card account while sh... (3 pages)View decision -
Decision Reference DRN2670078
12 Jun 2020 Vanquis Bank Limited UpheldBanking and creditMr C complains about Vanquis Bank Limited (“Vanquis”) for increasing his credit limit on his credit card, despite being aware of his increased debt and greater spending on gambling. He wants Vanquis to refund interest and charges applied to the increased balance and to remove late payment ... (2 pages)View decision -
Decision Reference DRN-1692530
27 May 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1692530 The complaintMr L has complained that Vanquis Bank Ltd took too long to deal with his fraud complaint and this affected his credit score. What happenedMr L’s wallet was stolen from him in a street robbery in June 2019. His Vanquis credit card was in his wallet with his other ba... (2 pages)View decision -
Decision Reference DRN5264787
20 May 2020 Vanquis Bank Limited Not upheldBanking and creditMr H thinks that Vanquis Bank Limited shouldn’t have put a default on his credit file in 2013. He also thinks Vanquis was wrong to not offer him any potential protection for ill health which would’ve covered his monthly payments around this time, when he started to struggle financially. ba... (2 pages)View decision -
Decision Reference DRN-1695834
20 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1695834 The complaintMr G complains that Vanquis Bank Limited accepted his application for a credit card and increased his limit when he says he couldn’t reasonably afford it. What happenedMr G applied for a credit card with Vanquis in October 2015. His application was accepted and Van... (3 pages)View decision -
Decision Reference DRN-1729110
8 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1729110 The complaintMiss F complains that Vanquis Bank Limited won’t refund her £300 after a cash machine failed to dispense her money. What happenedMiss F has a credit card account with Vanquis.On the 9 May 2019 Miss F attempted to withdraw £300 from her Vanquis credit card, using a ... (2 pages)View decision -
Decision Reference DRN-1298964
7 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1298964 The complaintMr F complains about his card being blocked and a purchase being declined.The details of this complaint are well-known to both parties, so I will not repeat them again here. Instead, I will focus on giving the reasons for my decision. My findingsI’ve considered all... (2 pages)View decision -
Decision Reference DRN-1316391
5 May 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1316391The complaintMiss M complains that Vanquis Bank Limited shouldn’t have approved her application for a credit card. She’s also unhappy it irresponsibly increased her credit limit when it shouldn’t have done so. What happenedMiss M applied for a credit card with Vanquis in 2016. B... (3 pages)View decision -
Decision Reference DRN-1229558
29 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1229558The complaintMiss N complains about the interest rate Vanquis Bank Limited has charged her. What happenedThe details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on setting out the reasons for my decision. What I’ve deci... (2 pages)View decision -
Decision Reference DRN5895647
28 Apr 2020 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited won’t refund credit card payments made for the hire of a motor home. backgroundIn October and November 2018 payments were made using Mr W’s Vanquis credit card to a company which hires out motor homes. They totalled £665. Mr W says that the company... (2 pages)View decision