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-1151573
11 Mar 2020 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1151573 The complaintMr C complains that Vanquis Bank Limited sent him an email offering a limit increase on his credit card account which he thinks was misleading and unfair. What happenedMr C has a credit card with Vanquis Bank and it sent him an email saying that he was eligible to ... (2 pages)View decision -
Decision Reference DRN6556611
10 Mar 2020 Vanquis Bank Limited UpheldBanking and creditMr C has complained Vanquis Bank Limited is expecting him to pay £1,500 for a transaction he didn’t authorise.backgroundOn 3 February 2018 Mr C reported his Vanquis credit card missing. He wasn’t completely sure when it’d gone missing but he wondered whether this had happened when he was a... (3 pages)View decision -
Decision Reference DRN1313724
2 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMr S makes a number of complaints about Vanquis Bank Limited following unauthorised credit card transactions.backgroundMr S says there were a number of unauthorised credit card transactions on his credit card statement which meant he was being asked to pay a higher minimum repayment amount... (2 pages)View decision -
Decision Reference DRN8537247
17 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited added a Value Saver membership to her credit card account without her knowledge.To settle matters Mrs S would like the monthly payments refunded from when she took out the Value Saver membership in 2013.backgroundMrs S is represented in her complai... (2 pages)View decision -
Decision Reference DRN5522830
11 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis bank Limited allowed a fraudster to open an account in his name.backgroundIn 2014, a credit card account with Vanquis was opened in Mr B’s name. Mr B said he did not open this. The account was then used and managed until March 2017.At around this time, Mr B contact... (2 pages)View decision -
Decision Reference DRN5973342
4 Feb 2020 Vanquis Bank Limited Not upheldBanking and creditMr W complains Vanquis Bank Limited allowed an unauthorised transaction to be taken from his account. He says it also shared his new account details with a third party.backgroundMr W had a previous subscription with a breakdown company – R. He says the renewal price R quoted was too high... (2 pages)View decision -
Decision Reference DRN6937585
3 Feb 2020 Vanquis Bank Limited UpheldBanking and creditComplaintMiss M complains that Vanquis Bank Limited didn’t change her address after she moved abroad. Miss M also complains that her credit card account was defaulted after she had difficulties receiving statements and making payments. BackgroundMiss M opened a Vanquis credit card in 2013.... (2 pages)View decision -
Decision Reference DRN1793560
31 Jan 2020 Vanquis Bank Limited Not upheldBanking and creditComplaintMs B complains that Vanquis Bank Limited lent irresponsibly when it increased her credit limit whilst she was in an IVA. BackgroundMs B has told us she was party to an IVA between 2011 and 2016. In November 2012 Ms B opened a credit card with Vanquis with a credit limit of £250. I... (2 pages)View decision -
Decision Reference DRN7097839
29 Jan 2020 Vanquis Bank Limited UpheldBanking and creditMiss L complains that it was irresponsible of Vanquis Bank Limited (“Vanquis”) to increase the credit limit on her credit card.background Miss L opened a credit card account with Vanquis in October 2011. The initial credit limit was £250. The limit was increased four times in the period fr... (2 pages)View decision -
Decision Reference DRN8618592
23 Jan 2020 Vanquis Bank Limited UpheldBanking and creditComplaintMr G complains that Vanquis Bank Limited rejected his claim under Section 75 Consumer Credit Act 1974 (CCA 1974) in respect of a faulty car.BackgroundIn September 2017 Mr G bought a second hand car. It cost £3,995 and had done some 40,000 miles. The car broke down the following da... (3 pages)View decision