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
-
Decision Reference DRN3504481
2 Aug 2017 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited was irresponsible when it kept increasing his credit limit on his credit card account.backgroundMr I applied to open a credit card account in January 2011. Vanquis opened it with a credit limit of £250 but increased the limit ... (2 pages)View decision -
Decision Reference DRN5824059
1 Aug 2017 Vanquis Bank Limited UpheldBanking and creditMs G is represented by her brother, Mr G who brings this complaint on her behalf. He thinks that Vanquis Bank Limited (Vanquis) shouldn’t have allowed Ms G to take out a credit card with it – because she is a vulnerable consumer. backgroundIn May 2015, Ms G took o... (3 pages)View decision -
Decision Reference DRN3368217
27 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited have harassed him with excessive phone calls about his credit card account. Also, they wrongly transferred his debt to a third party debt collection agency.backgroundIn 2016 Mr D experienced some financial difficulties and missed ... (3 pages)View decision -
Decision Reference DRN1500262
26 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMrs S complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when they increased her credit card limit and this caused her financial difficulties.backgroundMrs S opened a credit card account with Vanquis in December 2008. The credit limit was £250, but that ... (3 pages)View decision -
Decision Reference DRN1606762
19 Jul 2017 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited recorded a default on his credit file without his knowledge. He wants the default removed. backgroundA default was recorded on Mr A’s credit file in 2013 by Vanquis as he had failed to make payments on his credit card accou... (2 pages)View decision -
Decision Reference DRN1403267
18 Jul 2017 Vanquis Bank Limited Not upheldInsurance (excluding PPI)Mr O complains that Vanquis Bank Limited mis-sold him a card protection policy.backgroundThis complaint is brought on Mr O’s behalf by a claims management company, which I will call C.In 2012 a Vanquis saleswoman phoned Mr O and sold him an “Identity Theft Alert serv... (3 pages)View decision -
Decision Reference DRN4688365
29 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMiss E complains that Vanquis Bank Limited irresponsibly increased her credit card limit and caused her financial difficulties.backgroundMiss E is represented in this complaint by Mr E (not the same surname), but to keep things simple I will refer to their submissions... (2 pages)View decision -
Decision Reference DRN2087815
14 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it mis-sold him a credit card, and then irresponsibly increased the limit on the card. He would like Vanquis to refund all interest and late payment charges on the account, clear ... (2 pages)View decision -
Decision Reference DRN9656664
6 Jun 2017 Vanquis Bank Limited Not upheldBanking and creditMs H has complained about high interest rates charged on her credit card with Vanquis Bank Limited (Vanquis). She also complained about a Repayment Option Plan that she’d been charged for on the account.backgroundMs H has a Vanquis credit card which she’s held for se... (2 pages)View decision -
Decision Reference DRN0672252
6 Jun 2017 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited added a default to her credit file when she’d been told this wouldn’t happen if she kept in touch. She wants it removed.backgroundMiss C says that in May 2016 she contacted Vanquis to tell it she’d lost her employment. And t... (2 pages)View decision