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 DRN3717199
3 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that Vanquis Bank Limited was irresponsible as it lent her money that she could not afford to repay.backgroundMrs W applied for a credit card with Vanquis in August 2012. She was subject to an individual voluntary agreement (IVA) at the time. She was u... (2 pages)View decision -
Decision Reference DRN0682985
2 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains about the difficulties in establishing a reliable repayment method for his credit card account with Vanquis Bank Limited (Vanquis). backgroundIn late 2017 Mr M contacted us to complain about the difficulties he’d had in making direct debit payments and oth... (3 pages)View decision -
Decision Reference DRN9928394
20 Jul 2018 Vanquis Bank Limited UpheldBanking and creditMiss R complains about Vanquis Bank Limited (“Vanquis”) concerning its decisions to allow her to open a credit card account and then to increase her credit limit on two occasions. Miss R believes that the lending was irresponsible. She also complains that Vanquis encour... (4 pages)View decision -
Decision Reference DRN8721749
19 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMs R complains that Vanquis Bank Limited lent irresponsibly to her.backgroundMs R opened an account with Vanquis in March 2013. She was able to make minimum monthly payments at first. But she started to get into arrears in November 2014. Ms R got her payments up to... (2 pages)View decision -
Decision Reference DRN8639250
17 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited rejected his claims under Section 75 Consumer Credit Act and it was unhelpful in dealing with duplicate payments. backgroundMr G went on a cruise with a company I’ll call R and used his Vanquis credit card to register his booki... (2 pages)View decision -
Decision Reference DRN5519992
12 Jul 2018 Vanquis Bank Limited Not upheldBanking and creditMr R is unhappy with the interest and charges that Vanquis Bank Limited have applied to his credit card account. backgroundMr R is unhappy with the charges added to his credit card account. He says that he can’t afford to pay for them based on his monthly income. He ... (3 pages)View decision -
Decision Reference DRN2056126
31 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr R complains about the service he received from Vanquis Bank Limited (Vanquis) when he complained about a failed ATM transaction.backgroundWhen an ATM failed to dispense Mr R’s money, he contacted Vanquis. He said that the money had debited his account but had no... (1 page)View decision -
Decision Reference DRN5271817
22 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited acted irresponsibly in approving his credit card application, which he says was unaffordable.backgroundVanquis approved a credit card application from Mr M in May 2015. This followed a telephone call with him in which he decl... (3 pages)View decision -
Decision Reference DRN9203360
18 Apr 2018 Vanquis Bank Limited Not upheldBanking and creditMr F complains about the action Vanquis has taken on his credit card account. He says he missed a number of monthly repayments because of an error made by his bank with his direct debit. Yet he says Vanquis has continued to ask him to repay arrears and told him th... (2 pages)View decision -
Decision Reference DRN5513819
13 Apr 2018 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited acted irresponsibly when it increased her credit limit in 2015. backgroundMiss W opened a Vanquis credit card account in January 2014 with a credit facility of £500. It carries out a risk assessment of all its customers ev... (2 pages)View decision