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-1312520
2 Sep 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1312520 The complaint Mr W's unhappy that Vanquis Bank Limited contacted him to review his agreed repayment arrangement and that it didn’t take account of his health condition when corresponding with him about a transfer of his account. What happened In 2017, following some person... (3 pages)View decision -
Decision Reference DRN-3430598
30 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3430598 The complaint Mr H complains that Vanquis Bank Limited recorded a default on his credit file in October 2019. What happened In May 2016 Mr H took out a credit card with Vanquis. I won’t detail the full history of the account. Rather, the key events I think are relevant to my de... (3 pages)View decision -
Decision Reference DRN-3661193
22 Aug 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3661193 The complaint Mr I complains that Vanquis Bank Limited (“Vanquis”) removed £220 from his Vanquis credit card account without his permission. What happened On 23 June 2020 Mr I’s credit card account received two payments totalling £220 from a third party. Mr I says the payments ... (2 pages)View decision -
Decision Reference DRN-3455892
15 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3455892 The complaint Ms B feels that Vanquis Bank Limited approved for credit which wasn’t affordable for her. What happened In May 2016, Ms B applied for a credit account with Vanquis. Her application was successful, and Ms B was issued a credit card account with an initial credit li... (2 pages)View decision -
Decision Reference DRN-3459900
10 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3459900 The complaint Mr B complains that Vanquis Bank Limited didn’t carry out proper affordability checks before it approved his application for a credit card and subsequent credit limit increases. What happened In June 2018 Vanquis approved a credit card application for Mr B with a ... (3 pages)View decision -
Decision Reference DRN-3454115
10 Aug 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3454115 The complaint Mrs B complains Vanquis Bank Limited (Vanquis) increased the borrowing limits on her credit card account without undertaking appropriate affordability checks. What happened Mrs B took out a credit card account with Vanquis in July 2016 and initially a £500 credit ... (3 pages)View decision -
Decision Reference DRN-3514760
9 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3514760 The complaint Mr M complains that Vanquis Bank Limited won’t refund him the money he paid for some photographic images. What happened Mr M says he spoke to a photographic company (the company) about providing some aerial images. He wanted the images to help him with a boundary... (2 pages)View decision -
Decision Reference DRN-3594225
5 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3594225 The complaint Mr K complained because Vanquis Bank Limited didn’t agree that someone had fraudulently opened an account in his name. What happened On 11 July 2021, a Vanquis credit card was opened using Mr K’s details. The card was used later in July for two transactions, one ... (3 pages)View decision -
Decision Reference DRN-3477226
5 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3477226 The complaint Ms B complains that Vanquis Bank Limited failed to provide her with a replacement card, blocked her from using its App, unfairly recorded adverse information about her account with credit reference agencies and provided poor service. What happened Ms B had a credi... (5 pages)View decision -
Decision Reference DRN-3429866
1 Aug 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3429866 The complaint Mr Q complains that Vanquis Bank Limited irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr Q says he opened a Vanquis account in 2017. He says he had applied in the previous 12 months for various loans and took out a ... (2 pages)View decision
