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 DRN1427893
23 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited is pursuing him for a debt he does not owe.backgroundIn February 2015 Vanquis received an application for a credit card. The application was in Mr R’s name, with his address and date of birth. Vanquis opened an account and sent... (2 pages)View decision -
Decision Reference DRN4832058
22 Oct 2015 Vanquis Bank Limited UpheldBanking and creditMr O complains that Vanquis Bank Limited is charging him for a product he never agreed to buy. backgroundMr O tells us he didn’t agree to be a member of the “Value Saver ” service. He says he declined the offer and never received a welcome pack. So he didn’t think ... (2 pages)View decision -
Decision Reference DRN1739062
22 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr L complains about the amount of times Vanquis Bank Limited contacted him to discuss the repayment of his balance. He is also unhappy that interest and charges have been added to his account. backgroundMr L had a credit card account with Vanquis. In April 2014 he e... (2 pages)View decision -
Decision Reference DRN6660756
22 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMrs L complains about the amount of times she has been contacted by Vanquis Bank Limited. Mrs L is also unhappy at charges and interest which have been added to her account. She is assisted in her complaint by her husband. backgroundMrs L had a credit card account ... (2 pages)View decision -
Decision Reference DRN1550856
15 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited will not refund two disputed transactions on his credit card account. backgroundMr P says that someone must have intercepted his replacement credit card and used it to make the disputed transactions. In the circumstances, he do... (2 pages)View decision -
Decision Reference DRN8989864
14 Oct 2015 Vanquis Bank Limited UpheldBanking and creditMs J has complained Vanquis Bank Limited didn’t take into account the problems she had communicating on the phone when managing her account.backgroundMs J got a letter from Vanquis in September 2014 telling her they’d blocked her account as they weren’t sure the most r... (2 pages)View decision -
Decision Reference DRN9286286
8 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited allowed some payments to be charged to his credit card after he’d cleared the balance to close his account.backgroundWhen he complained about this, Vanquis said Mr R had set up some subscriptions with third party companies whic... (2 pages)View decision -
Decision Reference DRN0123554
5 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr D complains Vanquis Bank Limited telephoned his partner at work on a number of occasions, and this caused him stress.our initial conclusionsOur adjudicator didn’t uphold the complaint because she couldn’t find evidence that Vanquis had actually rung the number in question bu... (2 pages)View decision -
Decision Reference DRN7145922
24 Sep 2015 Vanquis Bank Limited UpheldBanking and creditMr D says Vanquis Bank Limited failed to update his address on its system, despite him making two such requests. Mr D complains about Vanquis’ treatment of him as he tried to obtain a new card and to maintain payments that fell due.backgroundI’ve attached my prov... (5 pages)View decision -
Decision Reference DRN2028679
24 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited has unfairly registered a late payment notification on her credit file. backgroundIn April 2015, Mrs B wished to close her credit card account. She had previously set up a direct debit to pay £40 per month into her account, ... (2 pages)View decision
