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-4141393
5 Jun 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4141393 The complaint Miss P complains that Vanquis Bank Limited lent to her irresponsibly. What happened In October 2021 Miss P applied for a credit card with Vanquis. Vanquis approved the application and gave Miss P a card with an initial credit limit of £250. There were no further c... (2 pages)View decision -
Decision Reference DRN-4128222
31 May 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4128222 The complaint Mrs C complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In February 2013 Mrs C applied for a credit card with Vanquis. In the application, Mrs C said she was a te... (3 pages)View decision -
Decision Reference DRN-4074196
22 May 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4074196 The complaint Mr B has complained that Vanquis Bank Limited hasn’t refunded him for an oil radiator he bought from a third party, which he says is faulty. What happened Mr B bought an oil radiator, using his Vanquis credit card. He complained to Vanquis that it’s faulty, but it... (2 pages)View decision -
Decision Reference DRN-4095586
24 Apr 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4095586 The complaint Mr K complains about several service issues with Vanquis Bank Limited (Vanquis). What happened Mr K had a credit card from Vanquis. In October 2021, the balance was £3,454 and the limit was £3,500. Mr K ran into financial difficulty and in October 2021, Vanquis ag... (4 pages)View decision -
Decision Reference DRN-4062378
24 Apr 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4062378 The complaint Mr A is unhappy that a payment he made to Vanquis Bank Limited wasn’t credited to his account. What happened Mr A made a payment of £85 to his Vanquis credit account. But Vanquis didn’t credit the payment to his account, and two weeks later the amount was returned... (2 pages)View decision -
Decision Reference DRN-3883919
15 Mar 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3883919 The complaint Mrs S complains that Vanquis Bank Limited hasn’t refunded an amount she paid on her credit card for goods she didn’t receive. What happened Mrs S used her Vanquis credit card to purchase an item on-line in November 2021. She says she chased the merchant, but when ... (2 pages)View decision -
Decision Reference DRN-4019788
13 Mar 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4019788 The complaint Mr K has a credit card provided by Vanquis Bank Limited (“Vanquis”) and complains about the lender’s unfair registration of a default on his credit file and Vanquis’s actions following the default. What happened I don’t propose to detail here the full history of t... (4 pages)View decision -
Decision Reference DRN-3783162
6 Mar 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3783162 The complaint Mr C complains that Vanquis Bank Limited (“Vanquis”) didn’t do enough to protect him when he fell victim to a scam, failed to act when he notified it of the issue, and hasn’t reimbursed him for the loss. What happened The details of this complaint are well known t... (3 pages)View decision -
Decision Reference DRN-3801595
22 Feb 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3801595 The complaint Mrs M complains that Vanquis Bank Limited unfairly recorded late payment markers against her account. What happened Mrs M complained to Vanquis after finding out that her account debt was returned to Vanquis by a third-party debt collector. Mrs M is unhappy that V... (2 pages)View decision -
Decision Reference DRN-3632876
16 Feb 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3632876 The complaint Mrs G complains about Vanquis Bank Limited. She is unhappy that Vanquis won’t refund her money that she lost to a scam in February 2021. Mrs G feels that Vanquis should have done more to protect her from the scam and pay her back the money that she has lost. What ... (3 pages)View decision
