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-4517524
27 Feb 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4517524 The complaint Mr H complains his Vanquis Bank Limited credit card didn’t work when he tried to use it. What happened On 17 June 2023 Mr H was abroad trying to pay for his car hire but the credit card wouldn’t work. When he returned to the UK, Mr H contacted Vanquis who said the... (3 pages)View decision -
Decision Reference DRN-4638663
26 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4638663 The complaint Mrs C complains Vanquis Bank Limited hasn’t treated her fairly when considering a connected lender liability claim she brought against it relating to the purchase of a membership to a holiday club. What happened I issued a provisional decision on Mrs C’s complaint... (6 pages)View decision -
Decision Reference DRN-4536788
22 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4536788 The complaint Mr R has complained Vanquis Bank Limited won’t refund £680 for a transaction he didn’t authorise. What happened Mr R has held a credit card account with Vanquis for about 10 years. In 2023 He contacted Vanquis to tell them he’d seen a transaction for £680 on his a... (2 pages)View decision -
Decision Reference DRN-4561958
19 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4561958 Complaint Mrs A has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Mrs A with a credit card with an initial limit of £1,000.00 in ... (2 pages)View decision -
Decision Reference DRN-4434996
16 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4434996 The complaint Mr W complains Vanquis Bank Limited sold his credit card account to a debt purchaser despite having a payment arrangement in place. What happened Mr W has said he opened the account in 2017 and after getting into difficulties set up a payment plan which had repaid... (2 pages)View decision -
Decision Reference DRN-4597230
15 Feb 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4597230 The complaint Mr S complains Vanquis Bank Limited has failed to respond fairly to a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened I won’t go into great detail about the background to this complaint as it is well-known by now to all par... (3 pages)View decision -
Decision Reference DRN-4462023
8 Feb 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4462023 The complaint Mr R complains that Vanquis Bank Limited continued to send him paper statements after he had requested to receive statements online only. He says this has caused him a great deal of stress. What happened Mr R says that in March 2023, Vanquis started sending him pa... (2 pages)View decision -
Decision Reference DRN-4560599
7 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4560599 Complaint Mr D has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background Vanquis provided Mr D with a credit card with an initial li... (3 pages)View decision -
Decision Reference DRN-4552272
1 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4552272 The complaint Mr B has complained Vanquis Bank Limited opened a fraudulent account in his name without carrying out the necessary checks. What happened Mr B started receiving letters about a credit card debt from Vanquis, although he didn’t hold an account with them. The letter... (2 pages)View decision -
Decision Reference DRN-4438944
30 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4438944 The complaint Miss W says Vanquis Bank Limited (Vanquis) were unreasonable to report a default on her credit file and to change her address without her consent. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instea... (2 pages)View decision
