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 DRN3001945
14 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMiss K complains about a Repayment Option Plan (ROP) on her credit card account with Vanquis Bank Limited. She says she didn’t want the ROP but was told she had to take it to get the card. She’d like a refund of the payments she made for the ROP.our initial conclusionsOur adjudica... (2 pages)View decision -
Decision Reference DRN3424426
14 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMr C had a credit card with Vanquis Bank Limited. He complains that when he changed his address and amended his surname, he had difficulty getting Vanquis to update its records. And he had a credit card transaction declined when the bank blocked his account. He wanted Vanquis to... (2 pages)View decision -
Decision Reference DRN0922851
13 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMr B complains that Vanquis Bank Limited will not refund to him a payment that was made to a hotel when he was on holiday in another country. He also complains that it will not refund to him, under section 75 of the Consumer Credit Act 1974, the money that he paid for a visa and about... (2 pages)View decision -
Decision Reference DRN5033920
17 Dec 2014 Vanquis Bank Limited UpheldBanking and creditMrs T complains that Vanquis Bank Limited (“the bank”) won’t refund her for fraudulent transactions she says were made on her credit card account. backgroundMrs T’s credit card was stolen following a break-in to her car, and was then used to make a number of unauthorised transactions... (1 page)View decision -
Decision Reference DRN0629512
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis Bank Limited was wrong to record a late payment marker against his credit file. backgroundIn March 2014 Mr B set up a direct debit on the phone for his monthly credit card repayment. He says the adviser said the first payment would come out in May – but failed... (2 pages)View decision -
Decision Reference DRN7791938
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMrs D complained that her Repayment Option Plan with Vanquis Bank Limited was mis-sold to her. She said it was superfluous to her requirements, and that she’d believed she had to take the plan in order to get the credit card. our initial conclusionsThe adjudicator read Vanquis’ s... (2 pages)View decision -
Decision Reference DRN0233618
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complained that his Repayment Option Plan with Vanquis Bank Limited was mis-sold to him. He said it was superfluous to his requirements, and that he’d believed he had to take the plan in order to get the credit card. our initial conclusionsThe adjudicator read Vanquis’ sc... (2 pages)View decision -
Decision Reference DRN2267415
4 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr H complains Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he opened a credit card account.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld as he couldn’t see any evidence of misselling. Mr H disagrees. In summary, h... (2 pages)View decision -
Decision Reference DRN8557014
24 Nov 2014 Vanquis Bank Limited Not upheldBanking and creditMr J is unhappy with Vanquis Bank Limited because it refused to activate his Repayment Option Plan (ROP) and freeze his credit card account when he wasn’t working.backgroundMr J took the bank’s ROP with his credit card. It allowed him, for an extra monthly payment and subject to its ... (2 pages)View decision -
Decision Reference DRN1660863
21 Nov 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he took out a credit card with it in May 2010. He would like it to refund the ROP payments, together with interest.our initial conclusionsThe adjudicator did not consider that this complaint ... (2 pages)View decision
