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 DRN3949611
9 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMr E says Vanquis Bank Limited has unfairly recorded a default on his credit card account.backgroundMr E entered into an Individual Voluntary Arrangement (IVA) in 2016. The outstanding balance on his Vanquis credit card was included in the agreement.Mr E says that when ... (2 pages)View decision -
Decision Reference DRN4601888
9 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMr V complains that Vanquis Bank Limited lent irresponsibly to him by accepting him for a credit card and then increasing the credit limit. backgroundMr V successfully applied for a credit card with Vanquis in April 2011. Vanquis increased Mr V’s credit limit in Mar... (3 pages)View decision -
Decision Reference DRN0493875
3 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMr C is unhappy about the credit limit increases made to his account with Vanquis Bank Limited (Vanquis). He would like the bank to refund him all of the interest charges applied since the first increase and all negative information resulting from the increased limi... (3 pages)View decision -
Decision Reference DRN2026010
1 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited won’t refund transactions which he says were made fraudulently after his credit card went missing.backgroundA series of payments was made from Mr K’s credit card account between 9 and 12 May 2017 in mainland Europe. Mr K says ... (2 pages)View decision -
Decision Reference DRN1445549
1 Nov 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited will not refund a payment she says she did not authorise from her credit card.backgroundMiss M spoke to a travel company about booking a holiday. She says that the indirect flights she was later offered were not suitable. The... (2 pages)View decision -
Decision Reference DRN4279680
18 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited continued to contact him when he made them aware he had entered into an individual voluntary arrangement (IVA).backgroundMr C contacted Vanquis in 2016 and made them aware that he was in the process of entering into an IVA. Beca... (2 pages)View decision -
Decision Reference DRN8700267
17 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited have contributed to her financial difficulty by giving her the credit limit it did and later increasing it. backgroundIn February 2012 Miss M applied for a credit card with Vanquis. She started with a credit limit of £1,000. ... (2 pages)View decision -
Decision Reference DRN9563389
13 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited is holding him liable for some cash withdrawals made with his credit card which he insists were made by someone else.backgroundMr G has a credit card account with Vanquis. In August 2015 he stopped using the card because he found ... (2 pages)View decision -
Decision Reference DRN5534854
10 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited was irresponsible to offer him a credit card when he was in financial difficulties. He asks that it refunds interest and late payment charges, with 8% interest, and removes negative information from his credit file.backgroundMr C ... (2 pages)View decision -
Decision Reference DRN2949686
9 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited has made excessive and unauthorised telephone calls in relation to a debt. He also says that Vanquis has failed to act in accordance with debt collection guidelines.background Mr J held an account with Prudential Personal Credit ... (2 pages)View decision
