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-3723329
21 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3723329 The complaint Mr M 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 M in April 2020. This type of credit was an open-ended or running account facility and the credit limit... (2 pages)View decision -
Decision Reference DRN-3623378
17 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3623378 The complaint Mr W complains that Vanquis Bank Limited made an error which led to adverse information being recorded on his credit file. What happened Mr W says that he last used his Vanquis credit card in October 2021, and he paid the balance off in November. As far as he was ... (3 pages)View decision -
Decision Reference DRN-3633528
4 Oct 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3633528 The complaint Miss B is complaining about a credit card provided to her by Vanquis Bank Limited, (“Vanquis”), which she said was irresponsibly provided to her. What happened Miss B was provided with a credit card by Vanquis in October 2017. She said Vanquis should never have al... (2 pages)View decision -
Decision Reference DRN-3476451
26 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3476451 The complaint Mr A complains Vanquis Bank limited (Vanquis) are putting him further in debt by applying interest and charges to his credit card account. What happened Mr A says despite having agreed payment plans with Vanquis , it continues to charge him interest and charges to... (3 pages)View decision -
Decision Reference DRN-3609297
23 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3609297 The complaint Miss C is unhappy that Vanquis Bank Limited didn’t default her account following the issuance of default notices to her. What happened Miss C took out a Vanquis credit account in 2011. In October 2014, Miss C fell into arrears on the account. Vanquis issued a noti... (3 pages)View decision -
Decision Reference DRN-3690542
22 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3690542 The complaint Miss S complains that Vanquis Bank Limited irresponsibly gave her a credit card she couldn’t afford to repay. What happened In July 2019, Miss S applied for a credit card with Vanquis. She was given a credit limit of £500. Miss S says she struggled to repay the cr... (2 pages)View decision -
Decision Reference DRN-3592212
20 Sep 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3592212 The complaint Mr F says Vanquis Bank Limited closed his account for an invalid reason. He then couldn’t make his repayments using the app and it unfairly reported his arrears to the credit reference agency(ies). What happened Vanquis wanted to do additional security checks on M... (3 pages)View decision -
Decision Reference DRN-3644707
16 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3644707 The complaint Mr N complains that Vanquis Bank Limited irresponsibly gave him a credit card he couldn’t afford to repay. What happened In July 2019, Mr N applied for a credit card with Vanquis. His application was accepted and he was given a card with a credit limit of £1,000. ... (3 pages)View decision -
Decision Reference DRN-3660061
9 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3660061 The complaint Miss J complains that Vanquis Bank Limited was irresponsible in its lending to her. What happened Miss J applied for a Vanquis credit card in September 2020. The application was accepted and a credit limit of £1,000 provided. In February 2021, the credit limit was... (2 pages)View decision -
Decision Reference DRN-3420818
6 Sep 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3420818 The complaint Ms S complains Vanquis Bank Limited agreed to lend her money on a credit card when this was irresponsible and unaffordable. What happened Ms S complained to Vanquis that they should not have increased the credit limit on her credit card in February 2013, July 201... (2 pages)View decision
