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 DRN6455217
27 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr A complains about the way Vanquis Bank Limited has dealt with him over a credit card payment arrangement he entered into.background Vanquis was unhappy with the position on Mr A’s account, and blocked his use of it. In February 2015, Mr A agreed with Vanquis tha... (2 pages)View decision -
Decision Reference DRN8121839
20 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr Y complains Vanquis Bank Limited took too long to credit a payment to his account. He says it blocked his account in the meantime causing him stress and inconvenience.backgroundIn August 2015, Mr Y paid £483.17 towards his Vanquis credit card. He says when he... (2 pages)View decision -
Decision Reference DRN4471596
18 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr A complains that Vanquis Bank Limited unfairly recorded a default on his account and arranged unnecessary debt collection activity. background Mr A was having payment difficulties. Vanquis sent him an email in August 2015 offering him a payment plan. If he kept t... (2 pages)View decision -
Decision Reference DRN2928541
14 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditThis complaint’s about a credit card account Mr G used to hold with Vanquis Bank Limited. Mr G complains that Vanquis failed to freeze interest and charges whilst he disputed some transactions, and then defaulted the account after we decided the transaction dispute in it... (2 pages)View decision -
Decision Reference DRN9558634
13 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited should refund his disputed transactions and remove the default from his credit file.BackgroundMr W complained about disputed transactions to a gambling website. He said that these transactions took him over his credit limit and... (2 pages)View decision -
Decision Reference DRN4701132
12 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited mis-sold him a repayment option plan on his credit card account.backgroundMr S applied for a credit card from Vanquis. He says that, when he called to activate the card in 2010, Vanquis sold him a repayment option plan. Put simp... (2 pages)View decision -
Decision Reference DRN8465880
5 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMs E complains that Vanquis Bank Limited took payments from her account for a repayment option plan (ROP) and billed deferred finance charges.backgroundMs E took out a credit card with Vanquis early 2013. The business made a welcome call on 11 March and during this ... (2 pages)View decision -
Decision Reference DRN2407171
4 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMr B complains Vanquis Bank Limited didn’t give him any options to pay the balance of his credit card account after he moved to another country.backgroundMr B told Vanquis he was leaving the UK and asked how he could pay his credit card balance. It immediately canc... (2 pages)View decision -
Decision Reference DRN6590088
1 Apr 2016 Vanquis Bank Limited UpheldBanking and creditMiss T complains that Vanquis Bank Limited kept harassing her for payment on her credit card account after she’d activated her repayment option plan (ROP). This should’ve frozen the account for six months.backgroundVanquis said it activated the repayment option plan at ... (1 page)View decision -
Decision Reference DRN9177956
21 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr L has complained about charges Vanquis Bank Limited added to his credit card account.backgroundMr L had a credit card with Vanquis. When he called it’s automated telephony service, he was told he needed to make a payment of £19.03, which he did. But it transp... (2 pages)View decision
