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 DRN0713434
12 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMr A is unhappy about a credit card account with Vanquis Bank Limited.backgroundMr A opened a credit card account with Vanquish. But he says Vanquish gave him the credit card when he had other loans and cards. He got into financial difficulty and had to keep borrowin... (2 pages)View decision -
Decision Reference DRN1437633
10 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMrs P complains that Vanquis Bank Limited didn’t do enough to limit her spending on her credit card account when she was experiencing difficulties.backgroundMrs P suffers from ill health and she says that, alongside some other difficult circumstances, this led to her sta... (2 pages)View decision -
Decision Reference DRN0813288
8 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMiss M complains Vanquis Bank Limited was irresponsible in offering her a credit card in 2014. And she’s also unhappy at what she sees as its aggressive marketing campaign over several years to persuade her to borrow money.backgroundMiss M took out a credit card with Vanq... (3 pages)View decision -
Decision Reference DRN9609535
21 Feb 2018 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited won’t accept a joint giro credit slip as payment for his debt.backgroundMr C has a credit card with Vanquis. Vanquis attaches bank giro credit payment slips to their credit card statements. They say this allows customers to mak... (2 pages)View decision -
Decision Reference DRN1971880
20 Feb 2018 Vanquis Bank Limited UpheldBanking and creditMr S complains about Vanquis Bank Limited (“Vanquis”) contacting him to take out credit cards.backgroundIn September 2017, Mr S was approached by representatives from Vanquis to take out a credit card, whilst he was at a shopping centre. Mr S says he felt pressurised... (2 pages)View decision -
Decision Reference DRN4722884
6 Feb 2018 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited won’t refund a payment he made on his credit card to an online ticket resale website. His partner, who I’ll call “Ms L”, brings the complaint on his behalf.backgroundIn early 2017, Ms L and Mr L bought tickets for an event o... (2 pages)View decision -
Decision Reference DRN2904301
24 Jan 2018 Vanquis Bank Limited UpheldBanking and creditMr W complains that Vanquis Bank Limited won’t refund to him the money that he’s claimed for a stay in a hotel. His complaint is made against Vanquis under section 75 of the Consumer Credit Act 1974. backgroundMr W used his Vanquis credit card in August 2015 to make ... (2 pages)View decision -
Decision Reference DRN5316837
18 Jan 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited failed to prevent ten or twelve fraudulent transactions which were made on his credit card, and is refusing to refund them.backgroundIn early 2015 Mr M and some friends went on holiday for a weekend in Riga, Latvia. After h... (4 pages)View decision -
Decision Reference DRN1809076
5 Dec 2017 Vanquis Bank Limited Not upheldBanking and creditMrs H complains that Vanquis Bank Limited have unfairly applied a default to her credit file. She wants it to be removed.backgroundMrs H held a credit card with the bank. She went over the credit limit and entered into an agreement to reduce the balance.She set up a... (2 pages)View decision -
Decision Reference DRN8186797
15 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMrs W is unhappy that Vanquis Bank Limited won’t remove adverse information from her credit file. backgroundIn October 2016, Mrs W made a payment towards her credit card balance. Unfortunately, due to a misunderstanding between the parties, Mrs W made a payment that wasn’... (2 pages)View decision
