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 DRN4096404
22 Jul 2014 Vanquis Bank Limited Not upheldBanking and creditMr G complains that he was mis-sold a repayment option plan (ROP) by Vanquis Bank Limited. He would like the bank to refund the payments he made along with any other charges that accrued as a result of having to pay for the ROP.backgroundMr G brings this complaint through his brother,... (2 pages)View decision -
Decision Reference DRN4614274
8 Jul 2014 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited gave him wrong information that a direct debit had not been returned and allowed him to use his credit card and exceed his card limit. He wants Vanquis to clear his balance and refund all charges incurred.our initial conclusionsOur adjudica... (2 pages)View decision -
Decision Reference DRN7184025
3 Jul 2014 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that she was mis-sold a Repayment Option Plan (ROP) for her credit card account 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 ... (2 pages)View decision -
Decision Reference DRN2623968
30 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited unfairly holds him liable for disputed transactions made on his credit card account.backgroundThe disputed transactions comprised two cash machine withdrawals and six retail transactions – all made by means of Mr J’s Vanquis credit card and its as... (2 pages)View decision -
Decision Reference DRN4913855
27 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMr B complains that Vanquis Bank Limited did not respond to his letters after he informed it of his financial difficulties. He complains that it has not agreed a final balance on his account or a repayment plan with him and continues to call him even though he has asked that all contac... (3 pages)View decision -
Decision Reference DRN4034964
10 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr T complains he has been bombarded with telephone calls and emails by Vanquis Bank Limited despite asking Vanquis to remove his name from their marketing records. He is also unhappy that his account has not been closed and an overpayment returned to him.backgroundThe adjudicator did n... (2 pages)View decision -
Decision Reference DRN6806111
5 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMrs G complains that Vanquis Bank Limited has unfairly applied charges to her credit card account.backgroundMrs G made the minimum contractual payments on her Vanquis credit card by direct debit every month. But in April 2009 her account went over its credit limit of £1,000. This was not ... (2 pages)View decision -
Decision Reference DRN0696825
5 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited mis-sold him a repayment option plan. He wants the fees he paid for this product refunded.backgroundIn June 2012, Mr F agreed to a repayment option plan being added to his account. In October 2013, he says he tried to activate this plan becaus... (2 pages)View decision -
Decision Reference DRN1186448
4 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited gave her the wrong information about her credit card balance and as a result she exceeded her credit limit.backgroundMiss D phoned Vanquis after her credit card had been declined by a retailer. She was informed by Vanquis that she was close to ... (2 pages)View decision -
Decision Reference DRN2129789
4 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMiss R complains that Vanquis Bank Limited made mistakes in closing her credit card and overcharged her.backgroundIn early 2013 Miss R decided to close her credit card with Vanquis and phoned the bank to find out what her balance was. She had not been using the card for a while and had... (2 pages)View decision
