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 DRN5647258
21 Apr 2020 Vanquis Bank Limited UpheldBanking and creditMr F complains that Vanquis Bank Limited declined his claim for compensation under section 75 of the Consumer Credit Act 1974 in respect of his hire of a wedding venue. He is represented in this complaint by his wife.backgroundMr F hired a venue for his wedding, and paid part of the cost w... (3 pages)View decision -
Decision Reference DRN-1624116
17 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1624116The complaintMr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happenedMr H applied for a credit card with Vanquis in July 2016. In the application, Mr H said he was working full time and earned £24,000. Vanquis review... (2 pages)View decision -
Decision Reference DRN-1194040
15 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1194040 The complaintMrs D complains about charges applied to her Vanquis Bank Limited credit card account. She said she was overcharged for late payments and overlimit fees on the card. She wanted Vanquis to refund these charges. What happenedMrs D opened a credit card account with Va... (2 pages)View decision -
Decision Reference DRN-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (2 pages)View decision -
Decision Reference DRN-1632531
1 Apr 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1632531The complaintMr L is unhappy with Vanquis Bank Limited’s handling of his credit card balance. He thinks they have sold his debt to another company unfairly. What happenedMr L has a credit card with Vanquis. Due to some financial difficulties over the last couple of years, Mr L e... (2 pages)View decision -
Decision Reference DRN8683814
31 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited (“Vanquis”) registered a default against her and passed her debt on to a debt recovery agent. She believes that she provided Vanquis with her updated address and that Vanquis did not contact her at that address before registering the default. She ... (3 pages)View decision -
Decision Reference DRN-1137389
24 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1137389 The complaintMr K complains that Vanquis Bank Limited continued to charge interest on his credit card account when he’d told it he was experiencing financial difficulties. What happenedMr K had a credit card with Vanquis, and he contacted it at the end of 2016 when he was havin... (2 pages)View decision -
Decision Reference DRN-1655090
20 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1655090 The complaintMr S complains that Vanquis Bank Limited allowed him to discuss details of his credit card account without correctly passing the data protection questions. So, he doesn’t think it’s fair that they’ve continued to add charges to that account for his failure to pay h... (2 pages)View decision -
Decision Reference DRN7892972
18 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMr F is complaining about irresponsible lending by Vanquis Bank Limited.backgroundMr F doesn’t think Vanquis should have increased his credit limit. Mr F wants a refund on the interest and late payments he’s incurred. He also wants arrangement markers removed from his credit file.Vanquis d... (1 page)View decision -
Decision Reference DRN2262001
13 Mar 2020 Vanquis Bank Limited UpheldBanking and creditMrs R, on behalf of Mr S, is unhappy that Vanquis Bank Limited hasn’t upheld his section 75 claim under the Consumer Credit Act 1974.backgroundMr S purchased a TV which had a warranty. The TV suffered damage called screen burn. The retailer said this issue wasn’t covered under the warranty... (2 pages)View decision