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 DRN6970653
22 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr C had a credit card with Vanquis Bank Limited. He took out a new credit card with another bank and arranged a transfer to his account with Vanquis. The other bank made the requested transfer and in error sent a further £950. Mr C complains Vanquis failed to return the money s... (2 pages)View decision -
Decision Reference DRN0463136
19 Sep 2014 Vanquis Bank Limited Not upheldBanking and creditMiss G complains that Vanquis Bank limited has refused to refund disputed transactions on her credit card account. She says she lost her credit card and is the victim of fraud. Miss G wants Vanquis to refund the money.backgroundDates are an important consideration in this complaint.Miss... (3 pages)View decision -
Decision Reference DRN8695937
16 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr F complained because he was being pursued by a debt collection agency for a credit card debt to Vanquis Bank Limited. Mr F said he had paid £800 to a doorstep collector as a deal to end his debts, and therefore no money was due. He wants the account to be closed so he is no lon... (2 pages)View decision -
Decision Reference DRN0387622
16 Sep 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited applied interest and charges to his credit card account even though he told it he had a medical condition and was not able to make the payments.backgroundMr C paid his monthly credit card bill in full until August 2011. Mr C says that he suffered... (2 pages)View decision -
Decision Reference DRN3019244
9 Sep 2014 Vanquis Bank Limited Not upheldBanking and creditMiss R complains that Vanquis Bank Limited mis-sold a repayment option plan (ROP) to her. She says she did not need the plan and when she was in financial difficulties Vanquis did not tell her the plan could help. our initial conclusionsThe adjudicator did not recommend that th... (2 pages)View decision -
Decision Reference DRN1377793
5 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMiss J complains that Vanquis Bank Limited did not credit her account with a payment she made. She then incurred charges and the account has been defaulted.backgroundMiss J made a payment to her credit card account in April 2013. In September she contacted Vanquis because she was conc... (2 pages)View decision -
Decision Reference DRN4131180
29 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMr T complains that when an overpayment was made in error to the credit card he held with Vanquis Bank Limited, the bank has refused to refund the credit.backgroundMr T intended to pay off the balance of his credit card and close the account. At his request, his partner made a payment ... (1 page)View decision -
Decision Reference DRN5156502
29 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr V complains that Vanquis Bank Limited has refused to refund disputed transactions on his credit card account. Mr V says his card was lost or stolen and wants Vanquis to stop pursuing him for the debt and remove any adverse information from his credit record.backgroundDates are centra... (3 pages)View decision -
Decision Reference DRN0116902
18 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited (trading as Vanquis). She seeks a refund of her payments plus interest. our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. She was satisfied that Vanq... (2 pages)View decision -
Decision Reference DRN4245483
15 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited is holding him responsible for six online credit card transactions he says he didn’t make or authorise.backgroundMr R says he doesn’t recognise certain transactions made in August and September 2013. The transactions were made with two different o... (3 pages)View decision
