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 DRN2434952
30 Dec 2015 Vanquis Bank Limited UpheldBanking and creditMiss F complains that Vanquis Bank Limited made mistakes on her account, mis-sold a product to her and has not treated her financial difficulties fairly.backgroundMiss F sent an email to Vanquis in June 2014 saying that she had moved. She also said that she was not abl... (3 pages)View decision -
Decision Reference DRN3561467
22 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr S complains that he was mis-sold a Repayment Option Plan by Vanquis Bank Limited.backgroundIn August 2012 Mr S opened a credit card account with Vanquis. During a telephone call with a sales advisor, a Repayment Option Plan was added to his account. In October 20... (2 pages)View decision -
Decision Reference DRN9197759
18 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited has charged him for a Repayment Option Plan (ROP) which he did not agree to take. He wants a refund of all the monthly payments for this plan. backgroundMr F applied for a credit card from Vanquis in 2009. To activate the c... (2 pages)View decision -
Decision Reference DRN0723330
18 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMiss S complains that Vanquis Bank Limited added an optional repayment option plan to her credit card account which she didn’t ask for.our initial conclusionsOur adjudicator didn’t uphold the complaint. He thought Vanquis hadn’t advised Miss S to take out the plan and it ... (2 pages)View decision -
Decision Reference DRN8034866
11 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (“ROP”).our initial conclusionsMr W took out a ROP when he opened a credit card account with Vanquis in 2010. He says he doesn’t remember being sold the ROP, or agreeing to have it added to h... (2 pages)View decision -
Decision Reference DRN8330936
10 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains about the charges Vanquis Bank Limited applied to his credit card account. He’d like to clear the outstanding debt and have any negative entries removed from his credit file. He’d also like compensation.our initial conclusionsOur adjudicator didn’t uphold ... (2 pages)View decision -
Decision Reference DRN9050564
7 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited mis-sold him a repayment option plan (ROP) when he took out a credit card with them. He says that it wasn’t suitable for him and he wasn’t made aware of how much it would cost him. He wants Vanquis to refund what he has paid.our i... (2 pages)View decision -
Decision Reference DRN6944728
27 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited failed to help when she accidentally got herself locked out of her online account management facility.our initial conclusionsAn adjudicator investigated Miss W’s complaint. Whilst she could understand why Miss W had found it frus... (2 pages)View decision -
Decision Reference DRN6408961
17 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited hasn’t treated him fairly by refusing to remove a default that it registered against him while he was in prison.backgroundMr P has a Vanquis credit card. Mr P was remanded in custody from early April 2014. Mr P didn’t clear th... (2 pages)View decision -
Decision Reference DRN8296470
10 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMrs M through her husband Mr M, complains that two payments instead of one were applied in error to her Vanquis Bank Limited credit card.backgroundMrs M made a payment towards her credit card account at the end of May 2015. Mrs M made a further payment via bank tra... (2 pages)View decision