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 DRN9977472
17 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr N complains Vanquis Bank Limited restricted the use of his credit card after her tried to make a payment in May 2018. backgroundMr N has a Vanquis credit card. In May 2018 he tried to make a payment of £450 but Vanquis wasn’t able to verify the card details pr... (2 pages)View decision -
Decision Reference DRN6928966
10 Dec 2018 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited sent him unnecessary text messages against his wishes. Mr J also complains about the service he received from Vanquis when discussing what’d happened. background Mr J has a Vanquis credit card. He’s previously complained about rece... (3 pages)View decision -
Decision Reference DRN6588620
10 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr A complains Vanquis Bank Limited irresponsibly increased his credit limit on his credit card account.backgroundMr A took out a credit card in September 2012 with a credit limit of £500. In June 2016 Vanquis Bank reviewed the credit limit and increased it to £1250. An... (2 pages)View decision -
Decision Reference DRN1521393
10 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMiss N complains about a default recorded on her credit file by Vanquis Bank Limited.backgroundIn 2015 Miss N complained to Vanquis about interest and charges on her account. Vanquis issued a final response in November 2015. It said there hadn’t been an error with t... (2 pages)View decision -
Decision Reference DRN5419677
22 Nov 2018 Vanquis Bank Limited Not upheldBanking and creditMr W complains Vanquis Bank Limited acted irresponsibly when it gave him a credit facility. backgroundMr W is unhappy Vanquis gave him a credit card account when he had an IVA. And Vanquis was irresponsible when it kept increasing his credit limit. So he wants the ... (2 pages)View decision -
Decision Reference DRN4804679
14 Nov 2018 Vanquis Bank Limited UpheldBanking and creditMr M has complained about the service he received from Vanquis Bank Limited in relation to payments to his credit card.background Mr M has a credit card issued by Vanquis. He normally makes the payments due to Vanquis in respect of his credit card by direct debit.Ea... (2 pages)View decision -
Decision Reference DRN4993260
13 Nov 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains about the difficulties he had when he tried to repay his loan account with Vanquis Bank Limited. backgroundMr G wanted to repay his loan account early. He tried to call the bank but the phone number the bank had given him was incorrect, so he had so... (2 pages)View decision -
Decision Reference DRN8554945
5 Nov 2018 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited refuses to refund the cost of concert tickets bought on his credit card. He says he was refused entry to the venue. He wants the cost of the tickets refunded and compensation.backgroundMr F tells us in 2017 he purchased two c... (3 pages)View decision -
Decision Reference DRN1812883
1 Nov 2018 Vanquis Bank Limited UpheldBanking and creditMrs S complains about the service she received from Vanquis Bank Limited (“Vanquis”) when trying to close, and ultimately closing, her credit card account (“account”) with it.Mrs S is represented in this complaint by her partner, Mr S. He has made submissions to both... (2 pages)View decision -
Decision Reference DRN7784276
29 Oct 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited failed to treat him sympathetically when he found himself in financial difficulties due to ill health and unfairly recorded a default against him.backgroundMr G has a credit card account with Vanquis. He contacted the business in... (2 pages)View decision