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-4409571
15 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4409571 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved a credit card application he made and later increased the credit limit on several occasions. What happened Mr W applied for a credit card with Vanquis in December 2016. In his application... (3 pages)View decision -
Decision Reference DRN-4511804
15 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4511804 The complaint Mr D complains about information recorded on his credit file by Vanquis Bank Limited after he raised a dispute. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr D has a credit card with V... (3 pages)View decision -
Decision Reference DRN-4503481
13 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4503481 The complaint Miss N complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Miss N applied for a credit card with Vanquis in June 2018. She was accepted and given a credit limit of £500 which was increased in October 2018 to £1,000. In January ... (3 pages)View decision -
Decision Reference DRN-4507003
13 Dec 2023 Vanquis Bank Limited UpheldConsumer CreditDRN-4507003 Complaint Mr M has complained about a personal loan Vanquis Bank Limited (“Vanquis”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Vanquis provided Mr M with a loan for £1,500.00 in March 2023. This loan had an APR of... (4 pages)View decision -
Decision Reference DRN-4263551
12 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4263551 The complaint Mr H complains Vanquis Bank Limited sold his credit card account to a debt collection agent (who I’ll refer to as L) without telling him. What happened As a result of problems in Mr H’s industry he unfortunately found himself in financial difficulties for some tim... (2 pages)View decision -
Decision Reference DRN-4128578
9 Dec 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4128578 The complaint Miss A complains that Vanquis Bank Limited have unfairly applied a default to her credit card account. What happened Miss A had a credit card account with Vanquis. Miss A said she was struggling to make her repayments and had incurred late and over the limit payme... (3 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN-4274580
27 Nov 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4274580 The complaint Mr C says that Vanquis Bank Limited, who I’ll call Vanquis, were unreasonable to reject a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so I won’t ... (2 pages)View decision -
Decision Reference DRN-4195971
20 Nov 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4195971 The complaint Mr O complains that Vanquis Bank Limited defaulted his account without warning him. What happened Mr O had a credit card with Vanquis. In 2021 he moved house. In December 2022 Vanquis defaulted his account. There is a dispute about whether Vanquis ever sent him a ... (2 pages)View decision -
Decision Reference DRN-4444219
8 Nov 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4444219 The complaint Miss M, through a representative, says Vanquis Bank Limited irresponsibly lent to her. What happened Miss M took out a credit card in September 2017 with a £250 limit. Vanquis increased this to £500 in February 2018, then to £1,250 in July 2018 and to £2,250 in Ma... (3 pages)View decision
