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 DRN5064093
28 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMrs B complains that she was mis-sold a Repayment Option Plan by Vanquis Bank Limited.backgroundIn October 2010, Mrs B opened a credit card with Vanquis Bank and took out a Repayment Option Plan at the same time.Mrs B complained about the Repayment Option Plan in Septem... (2 pages)View decision -
Decision Reference DRN9656785
22 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited charged him interest after he notified it that he was in financial difficulties. backgroundIn early 2014 Mr A lost his job. He took advice from a debt charity and contacted Vanquis in February 2014. It agreed to set up a temp... (2 pages)View decision -
Decision Reference DRN0054934
21 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr E complains he didn’t know Vanquis Bank Limited added a Repayment Option Plan (ROP) to his credit card account when he opened it five years ago.our initial conclusionsMr E said he only realised he was paying Vanquis for the ROP when he contacted it to ask about the ... (2 pages)View decision -
Decision Reference DRN3386254
20 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMs M complains that Vanquis Bank Limited gave her incorrect information about her account. Then it charged her fees that were illegal and put incorrect information on her credit file and when she tried to get an explanation from it, she was ignored.She wants it to re... (2 pages)View decision -
Decision Reference DRN0156926
19 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMr P complains that Vanquis Bank Limited: mis-sold him a Repayment Option Plan (ROP) continued to offer ROP after he told it to stop refused to increase his credit limit included interest on his annual statement that it had agreed to refund didn’t offer him a ... (2 pages)View decision -
Decision Reference DRN2560902
18 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMr C complains that Vanquis Bank Limited didn’t treat him fairly when it blocked his card.backgroundWhen Vanquis blocked Mr C’s credit card as part of a routine security check, he wasn’t at home and didn’t have access to the required proof. Mr C wanted Vanquis to remove... (2 pages)View decision -
Decision Reference DRN9725783
18 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited increased the credit limit on his credit card account without his consent. And he’s unhappy about the amount he’s being asked to repay before the account can be closed.backgroundMr N opened a credit card account with Vanquis i... (2 pages)View decision -
Decision Reference DRN1624570
14 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited (“Vanquis”) mis-sold her a Repayment Option Plan (“ROP”) when she applied for a credit card in November 2011. Miss M would like the charges she paid for the ROP to be refunded. backgroundThe adjudicator did not consider the c... (2 pages)View decision -
Decision Reference DRN3583812
14 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMiss C says that Vanquis Bank Limited has failed to update her credit file despite numerous requests.backgroundIn 2014, Miss C says that she contacted Vanquis and asked that it update her credit file. She provided the required evidence for it to do so.No action was... (2 pages)View decision -
Decision Reference DRN3418333
4 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he took out his Vanquis credit card. And he’s unhappy that Vanquis doesn’t provide him with enough information to manage his account. Mr B is especially concerned when the account... (2 pages)View decision