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 DRN3161032
12 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited won’t remove a default from his credit file.backgroundMr I explains that he suffers from an illness and at the time of taking out a credit card with Vanquis Bank he didn’t really know what he was doing. He can’t afford to pay ... (2 pages)View decision -
Decision Reference DRN5316665
12 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that an account was fraudulently opened in his name by an unknown person at Vanquis Bank Limited. The account has now been defaulted for non-payment. He wants Vanquis to update his credit file and pay him compensation for his distress. He has also com... (2 pages)View decision -
Decision Reference DRN3749418
11 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited (“Vanquis”) didn’t freeze interest and charges on her credit card account when she asked them to.backgroundIn March 2012 Ms B contacted Vanquis to ask them to freeze her account following a recent bereavement. Vanquis say they re... (2 pages)View decision -
Decision Reference DRN8778858
11 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMiss D complains about the default date that Vanquis Bank Limited recorded on her credit file.backgroundMiss D opened a Vanquis credit card account in November 2008, but by January 2009 she had exceeded her £250 credit limit and the account was suspended the following ... (2 pages)View decision -
Decision Reference DRN8133851
4 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr N complains that Vanquis Bank Limited blocked his credit card account when he made a payment taking him into credit. He’s unhappy about the information Vanquis wanted him to give to it. This delayed the credit balance being paid to him.Mr N originally wanted quite ... (2 pages)View decision -
Decision Reference DRN9542034
30 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr I complains about the way that Vanquis Bank Limited handled his credit card account when his circumstances changed and led to money problems. backgroundMr I went over his credit limit and couldn’t afford the payments he owed Vanquis. He contacted Vanquis about this in ... (2 pages)View decision -
Decision Reference DRN8774041
29 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMs N complains that Vanquis Bank Limited has charged her interest charges on her credit card account, which she says is wrong. She says she made the scheduled payment on time. So she says it looks like she’s been charged interest in advance. Ms N wants the charges r... (2 pages)View decision -
Decision Reference DRN0157538
23 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited suspended his credit card. backgroundMr B had a credit card account with Vanquis. In 2013, he did not make all the payments due, and the account was passed to its Collections department. Mr B lost his credit card in January... (3 pages)View decision -
Decision Reference DRN1677940
16 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr W complains about the way Vanquis Bank Limited managed his credit card account. He’s unhappy that arrears built up even though he has a direct debit set up to pay the required minimum payment monthly. He says he wasn’t kept adequately informed about the status of ... (2 pages)View decision -
Decision Reference DRN0530889
16 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr E complains that Vanquis Bank Limited didn’t refund £45 owing to him as a result of credit card transaction. He wants the money refunded. And compensation for the inconvenience and the cost of phone calls.our initial conclusionsOur adjudicator upheld the complaint. She found tha... (2 pages)View decision
