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-3935508
14 Feb 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3935508 The complaint Mr M complains that he couldn’t open a credit card account with Vanquis Bank Limited (Vanquis). What happened On 11 November 2022, Mr M applied for a credit card from Vanquis. He passed the initial credit checks. Vanquis sent an SMS to Mr M on 16 November 2022 ask... (2 pages)View decision -
Decision Reference DRN-3943646
3 Feb 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3943646 The complaint Mr S is unhappy with the service provided by Vanquis Bank Limited (Vanquis) in relation to his credit card. During the course of events, Mr S has raised several concerns and it has been agreed that under this complaint reference at our service the following matter... (4 pages)View decision -
Decision Reference DRN-3896520
30 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3896520 The complaint Ms H complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card and later increased the credit limit. What happened Ms H applied for a credit card with Vanquis in September 2015. Vanquis approved the application and gave Ms H a credit ... (2 pages)View decision -
Decision Reference DRN-3802240
30 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3802240 The complaint Mrs P complains that Vanquis Bank Limited (Vanquis) has refused to refund her the amount she lost as the result of a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happened in detail. In summary, Mrs P’s h... (3 pages)View decision -
Decision Reference DRN-3295599
24 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3295599 The complaint Ms W complains Vanquis Bank Limited didn’t offer her an alternative way of authenticating that didn’t involve phones when it implemented strong customer authentication. Ms W also complains Vanquis Bank Limited didn’t remove an old number or send her statements in ... (6 pages)View decision -
Decision Reference DRN-3916170
20 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3916170 The complaint Mr D complains that Vanquis Bank Limited lent to him irresponsibly in providing him with a credit card account and a subsequent increase to the credit limit. What happened Mr D applied for the credit card in May 2016. His application data included that he was a st... (6 pages)View decision -
Decision Reference DRN-3896062
19 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3896062 The complaint Mr G complains Vanquis Bank Limited mis-sold a repayment option plan. He’s also unhappy with the way Vanquis managed his credit card account, and the level of customer service they provided. What happened Mr G had a credit card account with Vanquis. In November 20... (6 pages)View decision -
Decision Reference DRN-3806029
19 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3806029 The complaint Ms E complains that Vanquis Bank Limited closed her credit card and recorded a default on her credit file. Ms E also complains that her credit limit was never increased after she opened the account. What happened Ms E opened a credit card with Vanquis in 2015. The... (2 pages)View decision -
Decision Reference DRN-3668196
17 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3668196 The complaint Miss O complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Miss O applied for a credit card with Vanquis in May 2020. She was accepted and given a credit limit of £1,000 which was never increased. Miss O says that Vanquis shoul... (2 pages)View decision -
Decision Reference DRN-3881261
16 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3881261 The complaint Mr L complains that Vanquis Bank Limited was irresponsible to approve his credit card application. What happened Mr L applied for a Vanquis credit card in February 2019 and his application was approved with a £1,000 credit limit on the card. Mr L says he shouldn’t... (4 pages)View decision
