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 DRN9563389
13 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited is holding him liable for some cash withdrawals made with his credit card which he insists were made by someone else.backgroundMr G has a credit card account with Vanquis. In August 2015 he stopped using the card because he found ... (2 pages)View decision -
Decision Reference DRN5534854
10 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited was irresponsible to offer him a credit card when he was in financial difficulties. He asks that it refunds interest and late payment charges, with 8% interest, and removes negative information from his credit file.backgroundMr C ... (2 pages)View decision -
Decision Reference DRN2949686
9 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited has made excessive and unauthorised telephone calls in relation to a debt. He also says that Vanquis has failed to act in accordance with debt collection guidelines.background Mr J held an account with Prudential Personal Credit ... (2 pages)View decision -
Decision Reference DRN8169798
5 Oct 2017 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that Vanquis Bank Limited applied charges to her credit card account which took it over the credit limit. She wants her credit file to be amended to remove the negative information relating to the account.backgroundMrs W held a credit card with the ba... (2 pages)View decision -
Decision Reference DRN2659855
29 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr H complains that an account at Vanquis Bank Limited was opened fraudulently and he is not liable for the outstanding debt.backgroundThe account was opened on 30 May 2009. The account defaulted in January 2010 and the balance was sold to a third party in August ... (1 page)View decision -
Decision Reference DRN4443634
25 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited sent his credit card statement to his son’s address instead of to him, which he says is a breach of data protection laws. A letter acknowledging his complaint was also sent to the wrong address.background Mr L has a credit ... (2 pages)View decision -
Decision Reference DRN5264271
22 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold him a card-protection policy. Mr C is being assisted in this complaint by Mrs C.backgroundMr C applied for a credit card with Vanquis in 2011. Vanquis called Mr C to complete the application process. After it had been ... (2 pages)View decision -
Decision Reference DRN6148312
13 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M has complained about high interest rates charged on her credit card with Vanquis Bank Limited (Vanquis). She wants the bank to reduce the interest rate on her account.backgroundMiss M has a Vanquis credit card, which she’s held for several years. She’s recent... (2 pages)View decision -
Decision Reference DRN4156072
7 Sep 2017 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited (“Vanquis”) irresponsibly increased his credit limit when the lending was unaffordable.backgroundMr H opened a credit card account with Vanquis in March 2015. Vanquis opened the account with a credit limit of £500. Vanquis offer... (2 pages)View decision -
Decision Reference DRN3061234
31 Aug 2017 Vanquis Bank Limited UpheldBanking and creditMrs M complains that Vanquis Bank Limited failed to set up a repayment option plan when she fell into financial difficulties. She wants Vanquis to set up the plan, remove the default marker from her credit file and pay her compensation of £150.00backgroundMrs M has ... (2 pages)View decision