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 DRN1500262
26 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when they increased her credit card limit and this caused her financial difficulties.backgroundMrs S opened a credit card account with Vanquis in December 2008. The credit limit was £250, but that ... (3 pages)View decision -
Decision Reference DRN1606762
19 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited recorded a default on his credit file without his knowledge. He wants the default removed. backgroundA default was recorded on Mr A’s credit file in 2013 by Vanquis as he had failed to make payments on his credit card accou... (2 pages)View decision -
Decision Reference DRN1403267
18 Jul 2017 Vanquis Bank Limited Not upheldInsurance (excluding PPI)Mr O complains that Vanquis Bank Limited mis-sold him a card protection policy.backgroundThis complaint is brought on Mr O’s behalf by a claims management company, which I will call C.In 2012 a Vanquis saleswoman phoned Mr O and sold him an “Identity Theft Alert serv... (3 pages)View decision -
Decision Reference DRN4688365
29 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMiss E complains that Vanquis Bank Limited irresponsibly increased her credit card limit and caused her financial difficulties.backgroundMiss E is represented in this complaint by Mr E (not the same surname), but to keep things simple I will refer to their submissions... (2 pages)View decision -
Decision Reference DRN2087815
14 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it mis-sold him a credit card, and then irresponsibly increased the limit on the card. He would like Vanquis to refund all interest and late payment charges on the account, clear ... (2 pages)View decision -
Decision Reference DRN9656664
6 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMs H has complained about high interest rates charged on her credit card with Vanquis Bank Limited (Vanquis). She also complained about a Repayment Option Plan that she’d been charged for on the account.backgroundMs H has a Vanquis credit card which she’s held for se... (2 pages)View decision -
Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision -
Decision Reference DRN5031320
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr T’s complained Vanquis Bank Limited (trading as Vanquis Bank) made him pay for transactions he said he didn’t make.background Mr T said he didn’t authorise payments to an online dating agency, which were made with his Vanquis credit card. Vanquis refunded him. Bu... (3 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision -
Decision Reference DRN1055419
16 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited reduced his credit card limit and provided poor customer service.backgroundIn November 2016 Vanquis wrote to Mr L and advised him that they would be increasing his credit limit by £500. But when Mr L missed his minimum payment ... (2 pages)View decision
