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-3800763
21 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3800763 The complaint Miss D complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card and later increased the credit limit. What happened Miss D applied for a credit card with Vanquis in January 2016. Vanquis approved the application and gave Miss D a cre... (2 pages)View decision -
Decision Reference DRN-3401184
16 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3401184 The complaint Mr S makes a number of complaints about Vanquis Bank Limited (Vanquis) in relation to a credit card account he had with them. What happened Mr S initially made a complaint to Vanquis to say that it had irresponsibly lent to him. Vanquis responded to Mr S’s complai... (2 pages)View decision -
Decision Reference DRN-3809192
16 Nov 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3809192 The complaint Mrs T complains that Vanquis Bank Limited have irresponsibly lent to her. What happened Mrs T applied for a Vanquis credit card in October 2019 and she was accepted for a £1,000 credit limit. Mrs T complained to Vanquis that they had irresponsibly lent to her and ... (4 pages)View decision -
Decision Reference DRN-3773384
11 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3773384 The complaint Miss W complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave her a credit card account that she couldn’t afford. What happened In July 2018, Miss W’s credit card was opened by Vanquis with an initial credit limit of £500. The credit limit was increase... (2 pages)View decision -
Decision Reference DRN-3780710
9 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3780710 The complaint Mr B complains that Vanquis Bank Limited irresponsibly granted him credit he couldn’t afford to repay. What happened Vanquis opened a credit card account for Mr B in January 2013. This type of credit was an open-ended or running account facility and the credit lim... (3 pages)View decision -
Decision Reference DRN-3733524
8 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3733524 The complaint Mr D complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card and later increased the credit limit. What happened Mr D applied for a credit card with Vanquis in June 2018. Vanquis approved the application and gave Mr D a credit card ... (2 pages)View decision -
Decision Reference DRN-3757061
7 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3757061 The complaint Mr M complains that Vanquis Bank Limited continues to report a default on his credit file relating to a debt it sold to another business. What happened Mr M had a credit card with Vanquis that was closed in April 2019. Vanquis reported the default along with the o... (2 pages)View decision -
Decision Reference DRN-3777278
1 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3777278 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 20 February 2019, Mr A applied for and was given a credit card account with Vanquis. Mr A was given an initial credit limit ... (2 pages)View decision -
Decision Reference DRN-3752894
26 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3752894 The complaint Mr P complains about the Repayment Option Plan (ROP) that was sold alongside his Vanquis Bank Limited credit card. In summary, Mr P is unhappy as he says he was told that to get the credit card he would need to take out the ROP. And as Vanquis has now decided to d... (3 pages)View decision -
Decision Reference DRN-3727970
24 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3727970 The complaint Mr P complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 12 March 2019, Mr P applied for and was given a credit card account with Vanquis. Mr P was given an initial credit limit of ... (2 pages)View decision
