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-3893493
11 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3893493 The complaint Mr H says Vanquis Bank Limited (‘Vanquis’) irresponsibly lent to him. What happened This complaint is about a credit card account Vanquis provided. The account was opened in April 2014. Mr H was given an initial credit limit of £500. This limit was increased on 11... (3 pages)View decision -
Decision Reference DRN-3656269
9 Jan 2023 Vanquis Bank Limited Not upheldConsumer CreditDRN-3656269 The complaint Mr A complains that he settled his loan from Vanquis Bank Limited (Vanquis), but there was a balance outstanding. What happened Mr A borrowed £3,000 from Vanquis in January 2020. Monthly repayments were £147.47 – 36 payments. The total amount to be repaid was £5,3... (3 pages)View decision -
Decision Reference DRN-3878312
3 Jan 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3878312 The complaint Ms S complains that Vanquis Bank Limited (“VBL”) refused to meet her claim under Section 75 of the Consumer Credit Act 1974 (“Section 75”). She also complains that it took too long to deal with matters and acted incorrectly in relation to interest on her account. ... (6 pages)View decision -
Decision Reference DRN-3626187
19 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3626187 The complaint Mr C is unhappy with the way Vanquis Bank Limited (‘Vanquis’) handled his claim for a refund of a payment he made using his credit card account. What happened In July 2020, Mr C used his Vanquis credit card account to pay a travel agent I’ll call ‘T’ £570 for ret... (3 pages)View decision -
Decision Reference DRN-3836748
19 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3836748 The complaint Mr W is unhappy that Vanquis Bank Limited returned a reimbursement from a vendor back to the vendor rather than allowing it to be credited to his Vanquis credit account. Mr W is also unhappy that Vanquis placed a block on his account because of the disputed reimbu... (7 pages)View decision -
Decision Reference DRN-3746728
12 Dec 2022 Vanquis Bank Limited Not upheldConsumer CreditDRN-3746728 The complaint Mr O complains that Vanquis Bank Limited misinformed him about making overpayments on his loan. What happened In March 2020, Mr O took out a loan with Vanquis and says, that around this time, he had a discussion with a Vanquis representative about paying larger mo... (2 pages)View decision -
Decision Reference DRN-3748791
8 Dec 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3748791 The complaint Mr S complains Vanquis Bank Limited (Vanquis) provided him with poor service following his report of a disputed transaction. What happened Mr S contacted Vanquis on 7 December 2021 to report a disputed transaction. Mr S was informed his card would be cancelled and... (3 pages)View decision -
Decision Reference DRN-3811389
30 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3811389 The complaint Mr G complains that Vanquis Bank Limited (Vanquis) unfairly applied a default to his credit file. He would like this removed, and compensation for the distress and inconvenience. What happened The details of this complaint are well known to both parties so I won’t... (2 pages)View decision -
Decision Reference DRN-3659203
29 Nov 2022 Vanquis Bank Limited Not upheldConsumer CreditDRN-3659203 The complaint Mr T complains that Vanquis Bank Limited would not assist him to make a loan repayment. What happened Mr T says he cancelled his loan payment to Vanquis by mistake which meant he missed required payments from January 2022. He says from February 2022 he tried to co... (2 pages)View decision -
Decision Reference DRN-3814262
23 Nov 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3814262 The complaint Mr M complains about the way that Vanquis Bank Limited (Vanquis)closed his account with no appeal process in place. He would like Vanquis to acknowledge its failings. What happened The details of this complaint are well known to both parties so I won’t repeat the... (2 pages)View decision
