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
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Decision Reference DRN-4430927
29 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4430927 The complaint Ms H complains that Vanquis Bank Limited (“Vanquis”) reported a “Q” marker to the credit reference agencies when she raised a dispute about a transaction she didn’t recognise. The dispute was resolved in Ms H’s favour, but the Q marker is still showing on her cred... (2 pages)View decision -
Decision Reference DRN-4416428
25 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4416428 The complaint Mr M complains that Vanquis Bank Limited sold his account to a specialist debt management company without informing him that this was going to happen. What happened Mr M opened an account with Vanquis in March 2017. In June 2021 Mr M contacted Vanquis to advise th... (3 pages)View decision -
Decision Reference DRN-4577366
24 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4577366 The complaint Miss D says Vanquis Bank Limited irresponsibly lent to her. What happened Miss D applied for a credit card in August 2020. It was approved with a limit of £500 and she was given two subsequent credit limit increases. The first was in August 2021 to £850 and the se... (3 pages)View decision -
Decision Reference DRN-4437015
18 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4437015 The complaint Mr A complains that Vanquis Bank Limited lent irresponsibly when it increased the credit limit on his credit card. What happened Mr A applied for a credit card with Vanquis Bank in April 2013. In his application, Mr A said he was employed with an income of £30,000... (3 pages)View decision -
Decision Reference DRN-4505230
12 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4505230 The complaint Mr G complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr G says that Vanquis provided him with a credit limit of £500 and he incurred fees for late payments and going over his limit. He says this shows the lending was irre... (2 pages)View decision -
Decision Reference DRN-4514283
12 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4514283 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr W applied for a Vanquis credit card in April 2019. The initial credit limit provided was £1,000. Mr W’s credit limit was then increased on five occasions resulting i... (2 pages)View decision -
Decision Reference DRN-4440346
11 Jan 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4440346 The complaint Mr H complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 July 2022, Mr H asked for and was given a loan for £3,000 which had a term of two years. In 2023, Mr H complained to Vanquis to say that... (2 pages)View decision -
Decision Reference DRN-4520628
5 Jan 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4520628 Complaint Mrs B has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card as well as the limit increase were irresponsibly provided. Background Vanquis provided Mrs B with a credit card with an initial limit of £250 in Februar... (3 pages)View decision -
Decision Reference DRN-4412482
3 Jan 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4412482 The complaint Mrs L complains that Vanquis Bank Limited didn’t provide her with the service it should have when she was experiencing financial difficulties and requested information through a Data Subject Access Request (DSAR). What happened Mrs L has explained she has experien... (3 pages)View decision -
Decision Reference DRN-4338268
20 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4338268 The complaint Mrs S complains that Vanquis Bank Limited placed a late payment marker on her credit file. What happened Mrs D holds a credit account with Vanquis. She noticed that a late payment marker had been placed on her credit file and contacted Vanquis to query this. Mrs S... (2 pages)View decision
