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 DRN2042519
24 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr A, who is represented by a solicitor, complains that Vanquis Bank Limited rejected his claim under Section 75 Consumer Credit Act 1974 in respect of the purchase of software.backgroundWhile on holiday abroad Mr A and his wife were told they had won a prize i... (2 pages)View decision -
Decision Reference DRN1669567
8 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited imposed unfair charges on his credit card account. backgroundIn October 2012 Mr P opened a credit card account with Vanquis. He had a limit of £250, but later he encountered financial difficulties and missed payments and his ... (2 pages)View decision -
Decision Reference DRN3281276
7 Jul 2016 Vanquis Bank Limited UpheldBanking and creditMr S complains that Vanquis Bank Limited charged a late payment fee for his credit card account and recorded this on his credit record. backgroundMr S had a direct debit arrangement set up to pay his credit card account. For some reason, this was cancelled. Vanquis... (2 pages)View decision -
Decision Reference DRN9198868
5 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr M is unhappy that having settled his account with Vanquis Bank Limited in full in 2014, his records still show details of the arrangement he entered into. He’d like Vanquis to amend the records to remove the ongoing reference to this arrangement.backgroundMr M en... (2 pages)View decision -
Decision Reference DRN6588922
5 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited shouldn’t have charged him interest when he was having financial problems. He wants the interest waived. And a repayment plan formalised.our initial conclusionsOur adjudicator didn’t uphold the complaint. He didn’t think Vanquis ha... (2 pages)View decision -
Decision Reference DRN8281268
4 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited (trading as Vanquis) unfairly put a default on his credit card. He wants it removed.our initial conclusionsOur adjudicator didn’t uphold the complaint. She didn’t think Vanquis had done anything wrong. Mr K doesn’t agree. He says ... (2 pages)View decision -
Decision Reference DRN7108919
17 Jun 2016 Vanquis Bank Limited Not upheldBanking and creditMr K complained because Vanquis Bank Limited wouldn’t let him take money out of his fixed rate bond.backgroundMr K took out a five year fixed rate bond with Vanquis at the start of February 2016. At the end of February, he told Vanquis he wanted to close it, be... (2 pages)View decision -
Decision Reference DRN2906618
7 Jun 2016 Vanquis Bank Limited UpheldBanking and creditMs S complains Vanquis Bank Limited misrepresented its credit card to her.backgroundMs S bought a sofa at a store. The store had a buy now pay later credit facility. Ms S applied for this but was declined. She later received an application through the post for a V... (2 pages)View decision -
Decision Reference DRN6025982
25 May 2016 Vanquis Bank Limited UpheldBanking and creditMr V complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it incorrectly debited his credit card account twice, putting him well in excess of his credit limit. He would like Vanquis to write off the debt and close the account. backgro... (2 pages)View decision -
Decision Reference DRN6834291
18 May 2016 Vanquis Bank Limited UpheldBanking and creditMr P complains that Vanquis Bank Limited sent him an invitation for a credit card when he already had a Vanquis credit card. He also complains, that he was charged interest on a cash withdrawal even though he had re- paid it, and that Vanquis took months to respond... (2 pages)View decision
