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 DRN3160436
26 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited lent irresponsibly when it increased his credit card limit in May 2015 and May 2016. backgroundMr K had a credit card with Vanquis. In May 2015 Vanquis contacted Mr K and said it was going to increase his credit limit from £1,000 to £1,750. A year l... (2 pages)View decision -
Decision Reference DRN8442720
19 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited (Vanquis) hasn’t agreed to his request for it to delete all of the data it holds about him. backgroundMr G held a credit card with Vanquis. Vanquis agreed to accept a partial settlement of the balance of Mr G’s card, and the account was closed. Afte... (2 pages)View decision -
Decision Reference DRN6006594
18 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMiss B complains that Vanquis Bank Limited lent to her irresponsibly when it increased her credit card limit over several years.backgroundMiss B took out a credit card with Vanquis in 2012 with an initial credit limit of £250. Over the next two years, Vanquis increased the credit limit on ... (2 pages)View decision -
Decision Reference DRN0453042
17 Jul 2019 Vanquis Bank Limited UpheldBanking and creditMrs W complains that information Vanquis Bank Limited recorded on her credit file is incorrect and hasn’t been removed. background Mrs W opened a Vanquis credit card in November 2011. In October 2012 she entered a debt management plan through a debt charity and Vanquis accepted £5 per mont... (3 pages)View decision -
Decision Reference DRN8133495
17 Jul 2019 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited (“VBL”) declined her claim about a faulty car under s75 Consumer Credit Act.backgroundMs H says she acquired a car using her credit card with VBL. She says the supplying dealership misrepresented the mileage. And she says the car broke down twice wi... (2 pages)View decision -
Decision Reference DRN4616579
28 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMrs M complains that Vanquis Bank Limited didn’t carry out proper affordability checks before it approved her application for a credit card. She’s been assisted in bringing her complaint by her father, Mr L.backgroundIn or about November 2014 Mrs M applied online for... (3 pages)View decision -
Decision Reference DRN4914012
25 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMrs C says she tried twice to update a direct debit payment through the Vanquis Bank Limited online service but it failed to allow her to do so. She’d now like to be compensated adequately for her time and trouble in dealing with this.backgroundMrs C says she wanted to amend the details fo... (2 pages)View decision -
Decision Reference DRN8668537
21 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited wrongly opened a credit card account for him, and later increased the account’s credit limit.backgroundMr R opened a credit card account with Vanquis in 2014. Mr R has a number of health issues which he doesn’t think Vanquis pr... (2 pages)View decision -
Decision Reference DRN3049854
20 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited lent to him irresponsibly when it increased his credit card limit from £250 to £3,000 over a period of two years.backgroundMr T opened a credit card account with Vanquis in February 2015 with a credit limit of £250. The credit... (2 pages)View decision -
Decision Reference DRN1424133
14 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited kept increasing the credit limit on his account when he couldn’t afford it. He says that this was irresponsible lending. backgroundMr A had a credit card with Vanquis over a number of years. Over time, Vanquis increased his c... (2 pages)View decision