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 DRN3806162
8 Nov 2016 Vanquis Bank Limited Not upheldBanking and creditMr D is unhappy because Vanquis Bank Limited won’t remove some missed payment markers from his credit file.backgroundIn late-2015 Mr D complained to us about three payments (totalling £482) made using his credit card account which he didn’t recognise. Mr D didn’t think he... (2 pages)View decision -
Decision Reference DRN9098515
20 Oct 2016 Vanquis Bank Limited Not upheldBanking and creditMr K complains Vanquis Bank Limited gave him incorrect information which meant he went ahead with a transaction that turned out to be a scam.backgroundI issued a provisional decision about this complaint last month. In that decision I said Mr K had paid a third party... (1 page)View decision -
Decision Reference DRN2412924
14 Oct 2016 Vanquis Bank Limited UpheldBanking and creditMr C is unhappy with how Vanquis Bank Limited (“Vanquis”) has run his credit card account. He says that despite having a direct debit in place, it charged late fees and registered adverse information on his credit file.backgroundMr C had some payment issues with the ... (2 pages)View decision -
Decision Reference DRN4851343
4 Oct 2016 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited (Vanquis) charged him for hidden insurance premiums.backgroundMr C had a credit card with Vanquis. The outstanding debt he had with Vanquis has been sold on to a third party.Mr C is concerned that as Vanquis charged very high interes... (2 pages)View decision -
Decision Reference DRN4700020
27 Sep 2016 Vanquis Bank Limited Not upheldBanking and creditMr H complains, with the help of his friend, that Vanquis Bank Limited harassed him into taking out a credit card even though it was aware of his disability. He wants all correspondence sent to his friend’s address but Vanquis has refused to do so.backgroundMr H’s ... (2 pages)View decision -
Decision Reference DRN5443171
21 Sep 2016 Vanquis Bank Limited Not upheldBanking and creditMr V complains that Vanquis Bank Limited will not adequately compensate him for his time wasted during a complaint he made about goods that he bought with his credit card.backgroundMr V bought a pre-owned prestige designer watch. He says that the watch developed a ... (2 pages)View decision -
Decision Reference DRN6555644
6 Sep 2016 Vanquis Bank Limited UpheldBanking and creditMr D’s complained Vanquis Bank Limited (‘Vanquis’) provided him with a poor service when it chased him for arrears. background In February 2013, Vanquis’ fraud department blocked two transactions on Mr D’s credit card account. It called him to ask if they were genuine.... (3 pages)View decision -
Decision Reference DRN3335107
2 Sep 2016 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited mis-sold to her its Value Saver product which was added to her account. Miss W wants the product charges refunded and some compensation.backgroundMiss W said she was sold something she didn’t want and without her knowled... (3 pages)View decision -
Decision Reference DRN2503236
2 Sep 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis Bank Limited insist on taking his full name when he calls them.our initial conclusionsOur adjudicator didn’t think Vanquis had done anything wrong by asking for Mr B’s first name and surname, as they had to ensure they’re speaking to the right p... (2 pages)View decision -
Decision Reference DRN7465293
26 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited unreasonably delayed making him a refund.backgroundIn February 2016 Mr T sent a fast payment for £50 from a third party building society but he entered the wrong sort code and it went into his Vanquis credit card account by ... (2 pages)View decision
