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 DRN8169798
5 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that Vanquis Bank Limited applied charges to her credit card account which took it over the credit limit. She wants her credit file to be amended to remove the negative information relating to the account.backgroundMrs W held a credit card with the ba... (2 pages)View decision -
Decision Reference DRN2659855
29 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr H complains that an account at Vanquis Bank Limited was opened fraudulently and he is not liable for the outstanding debt.backgroundThe account was opened on 30 May 2009. The account defaulted in January 2010 and the balance was sold to a third party in August ... (1 page)View decision -
Decision Reference DRN4443634
25 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited sent his credit card statement to his son’s address instead of to him, which he says is a breach of data protection laws. A letter acknowledging his complaint was also sent to the wrong address.background Mr L has a credit ... (2 pages)View decision -
Decision Reference DRN5264271
22 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold him a card-protection policy. Mr C is being assisted in this complaint by Mrs C.backgroundMr C applied for a credit card with Vanquis in 2011. Vanquis called Mr C to complete the application process. After it had been ... (2 pages)View decision -
Decision Reference DRN6148312
13 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M has complained about high interest rates charged on her credit card with Vanquis Bank Limited (Vanquis). She wants the bank to reduce the interest rate on her account.backgroundMiss M has a Vanquis credit card, which she’s held for several years. She’s recent... (2 pages)View decision -
Decision Reference DRN4156072
7 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited (“Vanquis”) irresponsibly increased his credit limit when the lending was unaffordable.backgroundMr H opened a credit card account with Vanquis in March 2015. Vanquis opened the account with a credit limit of £500. Vanquis offer... (2 pages)View decision -
Decision Reference DRN3061234
31 Aug 2017 Vanquis Bank Limited UpheldBanking and creditMrs M complains that Vanquis Bank Limited failed to set up a repayment option plan when she fell into financial difficulties. She wants Vanquis to set up the plan, remove the default marker from her credit file and pay her compensation of £150.00backgroundMrs M has ... (2 pages)View decision -
Decision Reference DRN3504481
2 Aug 2017 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited was irresponsible when it kept increasing his credit limit on his credit card account.backgroundMr I applied to open a credit card account in January 2011. Vanquis opened it with a credit limit of £250 but increased the limit ... (2 pages)View decision -
Decision Reference DRN5824059
1 Aug 2017 Vanquis Bank Limited UpheldBanking and creditMs G is represented by her brother, Mr G who brings this complaint on her behalf. He thinks that Vanquis Bank Limited (Vanquis) shouldn’t have allowed Ms G to take out a credit card with it – because she is a vulnerable consumer. backgroundIn May 2015, Ms G took o... (3 pages)View decision -
Decision Reference DRN3368217
27 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited have harassed him with excessive phone calls about his credit card account. Also, they wrongly transferred his debt to a third party debt collection agency.backgroundIn 2016 Mr D experienced some financial difficulties and missed ... (3 pages)View decision
