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
-
Decision Reference DRN8648761
4 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMs P complains that Vanquis Bank Limited has applied unfair and illegal charges to her credit card account.backgroundMs P says Vanquis has applied a number of charges to her account since she opened it in 2003. She says the charges are unfair and illegal and she wo... (2 pages)View decision -
Decision Reference DRN6147698
30 May 2019 Vanquis Bank Limited UpheldBanking and creditMr G has complained Vanquis Bank Limited added charges to his credit card account. He was also concerned at the number of phone calls he received when he was unable to pay his monthly bill.backgroundMr G opened a credit card account with Vanquis in 2013. At the tim... (4 pages)View decision -
Decision Reference DRN4191503
28 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited rejected his section 75 claim when he complained about the non delivery of a laptop purchased from a third party supplier using his Vanquis credit card.backgroundIn April 2018 Mr M purchased a laptop online and paid with his ... (2 pages)View decision -
Decision Reference DRN6540200
24 May 2019 Vanquis Bank Limited Not upheldBanking and creditMiss O complains that Vanquis Bank Limited (Vanquis) didn’t cancel a transaction on her account. She would like this to be investigated. And the amount she lost refunded.backgroundMiss O says on 12 May 2018 she paid a £2,200 deposit for a car for her daughter u... (2 pages)View decision -
Decision Reference DRN7304664
9 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr R says Vanquis Bank Limited irresponsibly gave him a credit card. He wants a refund of all interest he paid and his credit file amended.backgroundVanquis said in its final response that it’s a responsible lender and takes into account an individual’s personal circ... (2 pages)View decision -
Decision Reference DRN7662617
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited sold his outstanding balance to a debt collection agency.backgroundFrom July 2014 until June 2016, Mr I had his credit card account with Vanquis frozen under a repayment option plan (ROP). On 10 March 2016, Vanquis wrote to Mr I... (3 pages)View decision -
Decision Reference DRN5417320
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr R complains about a default that Vanquis Bank Limited placed on his credit file. background Mr R told us that he’d taken out a credit card account with Vanquis in or around 2014. He said that he’d been subject to a bankruptcy order in February 2015. After that, V... (5 pages)View decision -
Decision Reference DRN3567685
15 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMr O complains about Vanquis Bank Limited (“Vanquis”) over its communication with him when he requested a copy of his agreement. backgroundDuring 2018 Mr O began receiving letters from a debt collection company. These letters referred to a Vanquis account belonging to M... (3 pages)View decision -
Decision Reference DRN1906110
11 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMrs L complains that Vanquis Bank Limited (“Vanquis”) were wrong to reject her chargeback request.backgroundMrs L bought two dresses, using a credit card issued by Vanquis in October 2018. She says she intended to keep one and return the other. Unfortunately, both we... (2 pages)View decision -
Decision Reference DRN4205325
9 Apr 2019 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited (“Vanquis”) has rejected his claim under section 75 of the Consumer Credit Act (1974) (“s75”).backgroundMr B had a conservatory built in 2018. He says the invoiced price was £30,500 but this was reduced to £26,500 when he cha... (2 pages)View decision