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-3458521
31 Jul 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3458521 The complaint Mr K complains Vanquis Bank Limited (Vanquis) unfairly chased him for payments on his credit card account whilst on a payment holiday and marked his credit file. What happened Mr K says he contacted Vanquis in June 2020 following an agreed three-month Covid paymen... (3 pages)View decision -
Decision Reference DRN-3463288
13 Jul 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3463288 The complaint Miss W wants Vanquis Bank Limited to remove a missed payment marker from her credit file. What happened On 23 October 2021 Miss W sent a cheque to Vanquis to pay her account. Vanquis didn’t receive the cheque and so applied a late fee of £12. Miss W rang to find o... (2 pages)View decision -
Decision Reference DRN-3564755
8 Jul 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3564755 The complaint Miss O, who is represented by a third party, complains that Vanquis Bank Limited (“Vanquis”) irresponsibly granted her a credit card she couldn’t afford to repay. What happened In September 2018 Miss O entered into an agreement with Vanquis to have access to credi... (3 pages)View decision -
Decision Reference DRN-3482879
6 Jul 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3482879 The complaint Miss T complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 23 March 2017, Miss T applied for a credit card account with Vanquis. She was given an initial credit limit of £1000. The... (2 pages)View decision -
Decision Reference DRN-3561431
24 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3561431 The complaint Ms M says Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened This complaint is about a credit card Vanquis provided. Our adjudicator upheld Ms M’s complaint, as it believed the lending was unaffordable. Vanquis asked for some evidence from u... (2 pages)View decision -
Decision Reference DRN-3502385
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3502385 The complaint Ms G complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Ms G applied for a credit card with Vanquis in November 2016. She was accepted and given a credit limit of £250. Her credit limit was increased in January 2018 to £1,000.... (2 pages)View decision -
Decision Reference DRN-3424327
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3424327 The complaint Mrs L complains that Vanquis Bank Limited lent to her irresponsibly. What happened Vanquis approved Mrs L’s credit card application with a credit limit of £1,000 in June 2018. The credit limit hasn’t been increased. Mrs L says that Vanquis didn’t do enough checks ... (3 pages)View decision -
Decision Reference DRN-3437034
10 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3437034 The complaint Miss W complains that Vanquis Bank Limited irresponsibly gave her a credit card that she couldn’t afford. What happened In March 2015 Vanquis, Miss W applied for a Vanquis credit card. She was given an initial credit limit of £500, which was later increased to £1,... (2 pages)View decision -
Decision Reference DRN-3534602
10 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3534602 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In Augus... (3 pages)View decision -
Decision Reference DRN-3434456
9 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3434456 The complaint Miss M complains that Vanquis Bank Limited (“Vanquis”), irresponsibly granted her a credit card she couldn’t afford to repay. What happened In February 2021 Miss M entered into an agreement with Vanquis to have access to credit by way of a credit card account. Mis... (2 pages)View decision
