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 1259 results
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Decision Reference DRN8903191
2 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP).our initial conclusionsThis complaint is about a ROP taken out in 2010. The policy was added to Mrs F’s credit card account when she applied for the card over the phone.Our adjudicator did not u... (2 pages)View decision -
Decision Reference DRN6603094
31 Mar 2015 Vanquis Bank Limited UpheldBanking and creditMs D complains that Vanquis Bank Limited failed to accommodate her after she told them she wanted statements in large print. She also says it failed to assist her when she faced financial difficulties. backgroundVanquis accepts it failed to send Ms D large print state... (2 pages)View decision -
Decision Reference DRN2683719
26 Mar 2015 Vanquis Bank Limited UpheldBanking and creditMr E complains that a holiday club membership he purchased using his Vanquis Bank Limited credit card was misrepresented to him.Mr E considers Vanquis is liable to him for this misrepresentation under section 75 of the Consumer Credit Act 1974.“Mrs G”, Mr E’s relative ... (3 pages)View decision -
Decision Reference DRN9073126
26 Mar 2015 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited kept increasing his credit limit even though he asked it not to.backgroundMr F took out a credit card with Vanquis in 2005 with a credit limit of £150. Over a period of time, the limit was increased to £1050. Mr F says he ... (2 pages)View decision -
Decision Reference DRN0405986
24 Mar 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited told him that it would not charge further interest on his credit card account, but that it continued to do so and his credit file has been affected.backgroundMr G called Vanquis in August 2014 and requested that it closed his c... (2 pages)View decision -
Decision Reference DRN5063255
20 Mar 2015 Vanquis Bank Limited UpheldBanking and creditMiss E complains that Vanquis Bank Limited did not respond to her written requests for a payment plan. This caused her to be out of pocket due to spending money on calls and sending subsequent mail using recorded delivery.backgroundWhen Miss E got into financial d... (1 page)View decision -
Decision Reference DRN4439085
10 Mar 2015 Vanquis Bank Limited Not upheldBanking and creditMiss L complains that Vanquis Bank Limited didn’t cancel a Repayment Option Plan (ROP) when she asked it to do this. And she’s unhappy that Vanquis wasn’t more helpful after she notified the bank she was in financial difficulties. She disputes the outstanding balance the bank is claimin... (2 pages)View decision -
Decision Reference DRN9207331
27 Feb 2015 Vanquis Bank Limited UpheldBanking and creditMr N complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited on a credit card he opened in 2012. He says the information he was given was confusing. He wants a refund of all the ROP payments he has made.our initial conclusionsThe adjudicator recomme... (2 pages)View decision -
Decision Reference DRN5088796
26 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited did not apply his payments to his credit card on the day he made them.backgroundOur adjudicator did not recommend that the complaint should be upheld. He found that Vanquis had clearly communicated the time taken for payments to reach credit ca... (1 page)View decision -
Decision Reference DRN3097517
25 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMr D complains that two attempts to make a payment to Vanquis Bank Limited were unsuccessful. And Vanquis has handled his complaint poorly.background Mr D says he made a payment from his bank, which I’ll call E, to Vanquis in March 2014. For reasons that weren’t clear to Mr D this paym... (2 pages)View decision
