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 DRN2761230
19 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited (“the bank”) won’t refund him for disputed ATM withdrawals made using his credit card.backgroundOn 19 April 2014 Mr M realised that his credit card was missing from his wallet. He reported this to the bank, and on doing so became aware of a num... (2 pages)View decision -
Decision Reference DRN7008417
16 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMr S complains about Vanquis Bank Limited’s (“the bank”) treatment of him in respect of a default notice, repayment plan, and late payment fees.backgroundMr S held a credit card with the bank. Following a number of missed payments the bank issued Mr S with a default notice, which he sa... (2 pages)View decision -
Decision Reference DRN5794375
13 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited was unfair to apply charges to his credit card account as he says he was ill at the time. He wants a full refund of all the charges.backgroundOur adjudicator did not recommend that the complaint should be upheld. He found that the charges were f... (2 pages)View decision -
Decision Reference DRN1580689
3 Feb 2015 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited.backgroundMrs F took out a Vanquis credit card in 2004 and the bank says she opted to take out the ROP. This was charged monthly and shown on her statements. The ROP was cancelled in December 2... (2 pages)View decision -
Decision Reference DRN8325110
29 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMr K complains that Vanquis Bank Limited added a repayment protection plan to his account without telling him and did not remove it when he asked. our initial conclusionsInitially our adjudicator upheld the complaint because Vanquis had not provided enough evidence that it had ca... (2 pages)View decision -
Decision Reference DRN4653482
27 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited reduced his credit card limit without notice to him and blocked his card whilst he was abroad. He wants a refund of bank charges.our initial conclusionsOur adjudicator did not recommend that Mr T’s complaint should be upheld. He conclude... (2 pages)View decision -
Decision Reference DRN0191999
23 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited is pursuing her for £200 it says she withdrew on her credit card. Mrs B says she didn’t withdraw the money.backgroundWhen Mrs B received her new credit card she says she tried to withdraw £200 in a branch of TSB, but that her card was declined.... (1 page)View decision -
Decision Reference DRN0725823
21 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited told her she could make a credit card repayment of a fixed amount each moth. She says it sent her text messages with conflicting and misleading information about how much she needed to repay. And she says it didn’t keep its promise to refun... (2 pages)View decision -
Decision Reference DRN3242446
20 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited deliberately put him over his agreed credit limit in order to create extra charges and damage his credit. He would like the bank to refund all the charges he’s paid.backgroundOur adjudicator didn’t uphold Mr L’s complaint. After investigating Mr ... (1 page)View decision -
Decision Reference DRN0273767
20 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMs U complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her account and caused her distress with continuous calls and texts.backgroundIn April 2014 Ms U approached her local Citizens Advice Rights (CAR) as she was extremely anxious about her Vanquis card... (1 page)View decision
