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 DRN3644453
13 Feb 2017 Vanquis Bank Limited UpheldBanking and creditMrs B complains that Vanquis Bank Limited has refused her a refund.Mrs B’s relative represents her in this complaint. But for the sake of keeping things simple, I’ve mentioned only Mrs B in this decision.our initial conclusionsOur adjudicator recommended upholding Mr... (3 pages)View decision -
Decision Reference DRN0540984
8 Feb 2017 Vanquis Bank Limited UpheldBanking and creditMiss T complains that Vanquis Bank Limited (the business) chased her for a debt it had no proof she owed. She complains that the business harassed her for payment and that the number of calls she received was excessive.background Miss T says that she was contacted by th... (2 pages)View decision -
Decision Reference DRN7473273
26 Jan 2017 Vanquis Bank Limited Not upheldBanking and creditMiss R complains that Vanquis Bank Limited has ignored rules and regulations set down by the Financial Conduct Authority. She wants Vanquis to remove the default that it applied and stop asking her for repayment.background Miss R took out a credit card with Vanquis in 2... (3 pages)View decision -
Decision Reference DRN5525186
25 Jan 2017 Vanquis Bank Limited UpheldBanking and creditMiss T’s unhappy with how Vanquis Bank Limited handled her account in April and May – all dates referred to are from 2016. She’s also unhappy with the level of customer service she received in relation to this.She wants it to apologise, reimburse her costs, and pay ... (3 pages)View decision -
Decision Reference DRN2752462
12 Jan 2017 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited duplicated a default registration on his credit file.backgroundVanquis passed Mr T’s account to a debt collection company in 2014 for non-payment. It later took the account back in-house, prior to selling it.Mr T says he contac... (2 pages)View decision -
Decision Reference DRN8616202
5 Jan 2017 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited mishandled his request for a refund for a hotel he paid for using his Vanquis credit card. backgroundMr T complained that Vanquis wouldn’t accept his claim for a refund.Our investigator didn’t recommend that the complaint should b... (2 pages)View decision -
Decision Reference DRN2547835
22 Dec 2016 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited decided to close his account after there were fraudulent payments.backgroundThe adjudicator did not recommend that the complaint be upheld. She said that:- Vanquis made a business decision to close the account and was entitled to c... (2 pages)View decision -
Decision Reference DRN3278038
5 Dec 2016 Vanquis Bank Limited Not upheldBanking and creditMiss H complains that Vanquis Bank Limited set regular payments to her credit card below the minimum amount required and increased her credit limit without her consent.backgroundMiss H’s account reached payment arrears of £377 in 2015. She cleared this amount in full... (2 pages)View decision -
Decision Reference DRN9650378
29 Nov 2016 Vanquis Bank Limited Not upheldBanking and creditMr O complains that the interest rate on his credit card with Vanquis Bank Limited is too high and the charges it has applied are unfair. He wants Vanquis to reduce the interest rate it charges him and refund the fees and charges he’s paid.backgroundOur adjudicator d... (2 pages)View decision -
Decision Reference DRN1670474
17 Nov 2016 Vanquis Bank Limited UpheldBanking and creditMrs H’s brother complains, on her behalf, that Vanquis Bank Limited hasn’t taken any account of the vulnerability of his sister and has harassed her in its pursuit of a debt it says she owes.backgroundMrs H’s brother began dealing with her affairs and could see that Va... (2 pages)View decision
