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 DRN6550006
16 Mar 2016 Vanquis Bank Limited UpheldBanking and creditMs T complains that Vanquis Bank Limited didn’t remove an incorrect address link from her credit file and she was chased for debts she didn’t owe.background Vanquis recorded incorrect information on Ms T’s credit report in 2014. Ms T told Vanquis she wasn’t the right ... (2 pages)View decision -
Decision Reference DRN0906711
11 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr C has complained Vanquis Bank Limited is charging him the wrong amount on his credit card account.backgroundMr C believes his credit card statements show he owes about £1,000 more than he thinks they should. He complained to Vanquis. Vanquis reviewed his account ... (1 page)View decision -
Decision Reference DRN4498155
9 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr G has complained that Vanquis Bank Limited increased his credit limit without his authority, resulting in him overspending and incurring fees and charges.backgroundVanquis wrote to Mr G to say it would be increasing his credit limit from £250 to £500. It asked h... (1 page)View decision -
Decision Reference DRN4161268
8 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMrs U bought air tickets through a travel company (“T Company”) for herself, her husband and her nephew, using a credit card issued by Vanquis Bank Limited (“Vanquis”). She complains that: her nephew wasn’t allowed to board a plane because the airline said his pa... (2 pages)View decision -
Decision Reference DRN1207197
8 Mar 2016 Vanquis Bank Limited UpheldBanking and creditMr G complains that Vanquis Bank Limited closed his credit card account without giving him any notice but it’s still charging him interest.backgroundVanquis said it had restricted Mr G’s account and would close it when he’d paid the full outstanding balance. Mr G though... (2 pages)View decision -
Decision Reference DRN8319682
2 Mar 2016 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited suspended and then closed his account.backgroundVanquis wrote to Mr I, explaining that during a routine review of his account, it had been unable to verify all or some of the information he’d provided when he applied. It explain... (2 pages)View decision -
Decision Reference DRN8353156
29 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited mis-sold a Repayment Option Plan to him when he opened a credit card account.our initial conclusionsOur adjudicator didn’t uphold the complaint. She thought that when Mr E opened the account, Vanquis explained the plan to him and ... (2 pages)View decision -
Decision Reference DRN2121196
26 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMiss S complains that Vanquis Bank Limited called her on holiday when her minimum monthly account payment was declined.backgroundIn November 2015, Miss S called Vanquis to make an early payment to her credit card account because she was going to be on holiday on the ... (2 pages)View decision -
Decision Reference DRN2020075
24 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMr D complains about the way in which Vanquis Bank Limited dealt with disputed payments from his account. background Vanquis first contacted Mr D in October 2014 to ask whether some online payments were genuine. He said that they were not. His card account was bloc... (2 pages)View decision -
Decision Reference DRN7808900
22 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited (Vanquis) did not set up a direct debit as she had requested and went on to incorrectly register a default on her credit file.backgroundMrs C had a credit card account with Vanquis. In January 2015, she said she contacted Van... (3 pages)View decision
