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 DRN5879437
14 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold a credit card account to him as at the time he was over 80 years old and in poor health.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He said that Mr C had completed an application ... (2 pages)View decision -
Decision Reference DRN7205966
14 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that a Repayment Option Plan (‘ROP’) was mis-sold to him by Vanquis Bank Limited in 2005 and that it should have suggested he activate this in 2008.backgroundThe adjudicator did not recommend that the complaint should be upheld. He said that: The ROP provides a debt fr... (2 pages)View decision -
Decision Reference DRN2073786
8 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMiss M complains about a repayment option plan on her credit card account with Vanquis Bank Limited. She says the plan was added to her account without her knowledge or consent, and she would like a refund of the charges she has paid for it.our initial conclusionsOur adjudicato... (2 pages)View decision -
Decision Reference DRN4925022
1 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMiss D complains that Vanquis Bank Limited is seeking repayment of an account balance she says she’s repaid.backgroundMiss D received a text message from Vanquis to say she needed to repay her credit card arrears. Vanquis told her the outstanding balance was £186.39. Miss D paid Vanqui... (2 pages)View decision -
Decision Reference DRN4032684
1 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMrs D is unhappy with a hair system which she purchased for £1000 using her credit card. She brings her complaint against Vanquis Bank Limited under section 75 of the Consumer Credit Act 1974. In summary, she says that the hair system is not as described (hairpiece is not properl... (2 pages)View decision -
Decision Reference DRN9889705
1 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMrs M complains that Vanquis Bank Limited set up a repayment option plan on her credit card without her agreement. It also phoned her at work and harassed her. backgroundMrs M took out a Vanquis credit card in October 2010. The bank phoned her to discuss her application and in the cou... (1 page)View decision -
Decision Reference DRN0296748
31 Jul 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited (“Vanquis”) allowed a fraudster to apply for a credit card in his name.backgroundSomeone fraudulently applied for a credit card from Vanquis using Mr C’s name and his previous address. The fraudster received the card and used it to make transactions... (2 pages)View decision -
Decision Reference DRN4915546
30 Jul 2014 Vanquis Bank Limited UpheldBanking and creditMiss T complains about the level of service provided by Vanquis Bank Limited (trading as Vanquis Bank). She seeks fair compensation for her worry and inconvenience. our initial conclusionsThe adjudicator recommended that the complaint be upheld. Vanquis accepted that it had made an... (2 pages)View decision -
Decision Reference DRN7967773
30 Jul 2014 Vanquis Bank Limited UpheldBanking and creditMr L complains that Vanquis Bank Limited caused him expense and considerable distress and inconvenience, including the rejection by another bank of his application for a current account, by wrongly linking him to an unpaid debt that was not his. backgroundThe bank accepted it had mad... (1 page)View decision -
Decision Reference DRN4739350
24 Jul 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that a £100 transfer he tried to make from his credit card account withVanquis Bank Limited didn’t reach his current account. He says Vanquis hasn’t done enough to help find the money, it has applied charges, and it keeps asking him for payment on a card he has never us... (2 pages)View decision
