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 DRN5031320
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr T’s complained Vanquis Bank Limited (trading as Vanquis Bank) made him pay for transactions he said he didn’t make.background Mr T said he didn’t authorise payments to an online dating agency, which were made with his Vanquis credit card. Vanquis refunded him. Bu... (3 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision -
Decision Reference DRN1055419
16 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited reduced his credit card limit and provided poor customer service.backgroundIn November 2016 Vanquis wrote to Mr L and advised him that they would be increasing his credit limit by £500. But when Mr L missed his minimum payment ... (2 pages)View decision -
Decision Reference DRN4125767
26 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited refused to increase his credit limit after promising to do so. He wants a refund of all the interest he’s paid since the account opened. He also wants Vanquis to refund a £1 interest charge it made after the account close... (2 pages)View decision -
Decision Reference DRN4934232
25 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited (Vanquis) lent to him irresponsibly. He would like the charges refunded and his credit file to be amended.backgroundMr K applied for a credit card with Vanquis in August 2013. This was approved, with a limit of £150. Mr K maint... (2 pages)View decision -
Decision Reference DRN9338854
3 Apr 2017 Vanquis Bank Limited UpheldBanking and creditMr F complains that he never agreed to the Repayment Option Plan (“ROP”) that was added to his credit card account by Vanquis Bank Limited (“Vanquis”) in 2010. He’s also unhappy about the very small reduction in his debt between December 2013 and July 2016, given h... (2 pages)View decision -
Decision Reference DRN6952840
3 Apr 2017 Vanquis Bank Limited Not upheldBanking and creditMr M is unhappy with the length of time it's taken Vanquis Bank Limited to update his address and send him a new card to replace the one he lost. Mr M feels he has been unable to keep track of his account and worries that his account information is being sent ... (2 pages)View decision -
Decision Reference DRN9481154
27 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited sold on the debt of his credit card balance when it had previously agreed to cancel it. The amount he’s being asked to pay now is more than the original amount of the debt.backgroundMr G had a credit card with Vanquis. In ... (2 pages)View decision -
Decision Reference DRN7897524
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited registered information with CIFAS in connection with her credit card account. backgroundIn 2012 Miss M says she was owed some money by a friend. She says the friend’s boyfriend offered to pay the debt by paying off her credit... (2 pages)View decision -
Decision Reference DRN7733552
24 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited (Vanquis) added a Repayment Option Plan (ROP) to his account without his consent which caused the account to go over its limit and affected his credit file. background Mr S has a credit card account with Vanquis. He does not ... (2 pages)View decision