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 1110 results
-
Decision Reference DRN-4706265
27 Mar 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4706265 The complaint Mr O complains that Vanquis Bank Limited has mishandled his account for a credit card that he holds with it and has unfairly added interest and charges to the balance. What happened Mr O held a credit card account with Vanquis. Due to a change in his financial cir... (4 pages)View decision -
Decision Reference DRN-4603898
26 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603898 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss B applied for a credit card from Vanquis in February 2019. It gave her a £1,000 credit limit and increased this to £1,750 in June 2021, to £2,500 in July 2022, to £3,500 in No... (3 pages)View decision -
Decision Reference DRN-4572521
14 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4572521 The complaint Miss B complains about the way Vanquis Bank Limited applied interest and charges to her account. She’s also unhappy that a block was placed on her account. What happened Miss B complained to Vanquis about the fees and charges applied to her account. She says the w... (2 pages)View decision -
Decision Reference DRN-4659184
11 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4659184 Complaint Ms M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided her with a credit card when she was already struggling and which was unaffordable for her. Background This complaint is about a credit card Vanquis which initially provided to Ms M, cred... (3 pages)View decision -
Decision Reference DRN-4499274
6 Mar 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4499274 The complaint Mrs G about the service she received from Vanquis Bank Limited when she requested to close her account. What happened Mrs G contacted Vanquis to pay off her balance and close her account. She paid the balance and asked Vanquis to confirm the closure in writing onc... (3 pages)View decision -
Decision Reference DRN-4488413
4 Mar 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4488413 The complaint Mr D complains that Vanquis Bank Limited applied a default to his loan account after accepting the loan had been lent irresponsibly and after Mr D had maintained his payments on the agreed repayment plan. What happened Mr D was provided with a loan by Vanquis. He ... (3 pages)View decision -
Decision Reference DRN-4372249
1 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4372249 The complaint Miss M has complained about the way Vanquis Bank Limited dealt with her claim for money back in relation to a purchase she’d made using her credit card. What happened The circumstances of the complaint are well known to the parties, so I won’t go over everything a... (3 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN-4555708
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4555708 The complaint Mrs M complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Mrs M was approved for a credit card with Vanquis in November 2018. This was followed by four credit limit increases as follows: Date Credit Limit Initial Limit 6 Nov 2018 £1... (3 pages)View decision -
Decision Reference DRN-4544740
29 Feb 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4544740 The complaint Mr E complains that Vanquis Bank Limited (“Vanquis”) held him liable for the debt on a loan which he says he neither applied for nor knew about, which caused him distress and inconvenience, and financial loss. What happened The background to this complaint is well... (3 pages)View decision
