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 DRN4125767
26 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited refused to increase his credit limit after promising to do so. He wants a refund of all the interest he’s paid since the account opened. He also wants Vanquis to refund a £1 interest charge it made after the account close... (2 pages)View decision -
Decision Reference DRN4934232
25 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. He would like the charges refunded and his credit file to be amended.backgroundMr K applied for a credit card with Vanquis in August 2013. This was approved, with a limit of £150. Mr K maint... (2 pages)View decision -
Decision Reference DRN9338854
3 Apr 2017 Vanquis Bank Limited UpheldBanking and creditMr F complains that he never agreed to the Repayment Option Plan (“ROP”) that was added to his credit card account by Vanquis Bank Limited (“Vanquis”) in 2010. He’s also unhappy about the very small reduction in his debt between December 2013 and July 2016, given h... (2 pages)View decision -
Decision Reference DRN6952840
3 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr M is unhappy with the length of time it's taken Vanquis Bank Limited to update his address and send him a new card to replace the one he lost. Mr M feels he has been unable to keep track of his account and worries that his account information is being sent ... (2 pages)View decision -
Decision Reference DRN9481154
27 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited sold on the debt of his credit card balance when it had previously agreed to cancel it. The amount he’s being asked to pay now is more than the original amount of the debt.backgroundMr G had a credit card with Vanquis. In ... (2 pages)View decision -
Decision Reference DRN7897524
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited registered information with CIFAS in connection with her credit card account. backgroundIn 2012 Miss M says she was owed some money by a friend. She says the friend’s boyfriend offered to pay the debt by paying off her credit... (2 pages)View decision -
Decision Reference DRN7733552
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited (Vanquis) added a Repayment Option Plan (ROP) to his account without his consent which caused the account to go over its limit and affected his credit file. background Mr S has a credit card account with Vanquis. He does not ... (2 pages)View decision -
Decision Reference DRN1181407
15 Mar 2017 Vanquis Bank Limited UpheldBanking and creditMr E complains about Vanquis Bank Limited’s treatment of his family and his account since he’s been in prison.backgroundMr E has a credit card with Vanquis. In July 2016, he was remanded in custody. His sister – who I’ll call “Miss E” – phoned Vanquis soon afterwards... (2 pages)View decision -
Decision Reference DRN9192478
28 Feb 2017 Vanquis Bank Limited Not upheldBanking and creditMs S complains that Vanquis Bank Limited mishandled her credit card account.backgroundMs S had health issues and couldn’t make the minimum monthly payment on her account. She complained that Vanquis added more interest and put adverse information on her credit file... (2 pages)View decision -
Decision Reference DRN4582855
16 Feb 2017 Vanquis Bank Limited Not upheldBanking and creditMr Y complains that Vanquis Bank Limited didn’t put in place an agreed payment plan for his credit card debt.backgroundMr Y says he agreed a repayment plan with Vanquis in April 2016 and confirmed it in writing. He says he provided details of his income and outgoings ... (1 page)View decision
