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 DRN9478171
6 Feb 2019 Vanquis Bank Limited Not upheldBanking and creditMs H is unhappy that Vanquis Bank Limited was unable to refund a disputed purchase.backgroundMs H paid £49.99 for some photographs at an event in January 2018. The disk drive she received was faulty. So she returned it by recorded delivery for a refund. But the me... (2 pages)View decision -
Decision Reference DRN8304495
24 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited sent him a replacement credit card without informing him beforehand. He’s also unhappy it wouldn’t send a further replacement to a different address.backgroundMr M’s Vanquis credit card was due to expire on 31 October 2018. So, ... (2 pages)View decision -
Decision Reference DRN5493920
14 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr W complains about the response of Vanquis Bank Limited (“VB”) to his complaint about an item he bought with his credit card.backgroundMr W says in January 2018 he bought a TV box overseas for £1,317.75 using his VB credit card. He says he was told he’d be able ... (2 pages)View decision -
Decision Reference DRN8887570
11 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card with a £250 limit in 2012. backgroundIn August 2012 Mr M applied for a credit card with Vanquis. Mr M’s application said he was employed and earned around £16,000 a year. Van... (2 pages)View decision -
Decision Reference DRN8561846
11 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited agreed to accept payments of £30 a month towards a credit card debt but failed to set the arrangement up. As a result, he’s had to pay interest and charges and his credit file’s been affected. backgroundThe background to this ... (3 pages)View decision -
Decision Reference DRN6192586
10 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr M complains about a credit card debt with Vanquis Bank Limited. He says Vanquis didn’t send him statements to show the spending on the account so he could settle the account or reach an agreement about repaying it. As a result, Mr M has paid additional interes... (3 pages)View decision -
Decision Reference DRN2707521
7 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited was irresponsible when it opened a credit card account for him and then increased the credit limit.backgroundMr S opened a credit card account with Vanquis in March 2011. It then increased the limit even though he says he’d... (2 pages)View decision -
Decision Reference DRN7076890
21 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited charges too much interest on her credit card and didn’t carry out enough checks when it increased her credit limit to an unaffordable level. She’s asked for a refund of the interest from the time she took out her card and... (2 pages)View decision -
Decision Reference DRN0496243
21 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited has treated him unfairly. He would like Vanquis to remove the default it recorded from his credit file.backgroundMr N had a credit card with Vanquis but after he fell into financial difficulties, Vanquis defaulted his account an... (2 pages)View decision -
Decision Reference DRN0893835
20 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMiss S complains about an email she received from Vanquis Bank Limited and about some warning notes which were placed on her credit file.backgroundMiss S received an email from Vanquis about her credit card account. She was upset by the tone of the email. When she c... (2 pages)View decision