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 1382 results
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Decision Reference DRN3335107
2 Sep 2016 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited mis-sold to her its Value Saver product which was added to her account. Miss W wants the product charges refunded and some compensation.backgroundMiss W said she was sold something she didn’t want and without her knowled... (3 pages)View decision -
Decision Reference DRN2503236
2 Sep 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis Bank Limited insist on taking his full name when he calls them.our initial conclusionsOur adjudicator didn’t think Vanquis had done anything wrong by asking for Mr B’s first name and surname, as they had to ensure they’re speaking to the right p... (2 pages)View decision -
Decision Reference DRN7465293
26 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited unreasonably delayed making him a refund.backgroundIn February 2016 Mr T sent a fast payment for £50 from a third party building society but he entered the wrong sort code and it went into his Vanquis credit card account by ... (2 pages)View decision -
Decision Reference DRN2042519
24 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr A, who is represented by a solicitor, complains that Vanquis Bank Limited rejected his claim under Section 75 Consumer Credit Act 1974 in respect of the purchase of software.backgroundWhile on holiday abroad Mr A and his wife were told they had won a prize i... (2 pages)View decision -
Decision Reference DRN1669567
8 Aug 2016 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited imposed unfair charges on his credit card account. backgroundIn October 2012 Mr P opened a credit card account with Vanquis. He had a limit of £250, but later he encountered financial difficulties and missed payments and his ... (2 pages)View decision -
Decision Reference DRN3281276
7 Jul 2016 Vanquis Bank Limited UpheldBanking and creditMr S complains that Vanquis Bank Limited charged a late payment fee for his credit card account and recorded this on his credit record. backgroundMr S had a direct debit arrangement set up to pay his credit card account. For some reason, this was cancelled. Vanquis... (2 pages)View decision -
Decision Reference DRN9198868
5 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr M is unhappy that having settled his account with Vanquis Bank Limited in full in 2014, his records still show details of the arrangement he entered into. He’d like Vanquis to amend the records to remove the ongoing reference to this arrangement.backgroundMr M en... (2 pages)View decision -
Decision Reference DRN6588922
5 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited shouldn’t have charged him interest when he was having financial problems. He wants the interest waived. And a repayment plan formalised.our initial conclusionsOur adjudicator didn’t uphold the complaint. He didn’t think Vanquis ha... (2 pages)View decision -
Decision Reference DRN8281268
4 Jul 2016 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited (trading as Vanquis) unfairly put a default on his credit card. He wants it removed.our initial conclusionsOur adjudicator didn’t uphold the complaint. She didn’t think Vanquis had done anything wrong. Mr K doesn’t agree. He says ... (2 pages)View decision -
Decision Reference DRN7108919
17 Jun 2016 Vanquis Bank Limited Not upheldBanking and creditMr K complained because Vanquis Bank Limited wouldn’t let him take money out of his fixed rate bond.backgroundMr K took out a five year fixed rate bond with Vanquis at the start of February 2016. At the end of February, he told Vanquis he wanted to close it, be... (2 pages)View decision