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 DRN1164350
4 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMs C complains Vanquis Bank Limited (“Vanquis”) opened a credit card account in her name, even though she didn’t apply for it. She is now being pursued for a debt she says was incurred by someone else.backgroundVanquis opened a credit card account for Ms C in January... (2 pages)View decision -
Decision Reference DRN6632735
2 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that Vanquis Bank Limited allowed her a credit card which was unaffordable for her.backgroundMrs A took out a credit card with Vanquis in 2012. At first the credit limit was £500. Mrs A kept up with the monthly payments. In April 2014 Vanquis increas... (3 pages)View decision -
Decision Reference DRN1296347
27 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr H and Miss S say Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to Miss S. They want Vanquis to refund the monthly cost, and the associated charges such as the over limit fee. They are also unhappy with Vanquis’ investigation into the sale.our initial conclusion... (2 pages)View decision -
Decision Reference DRN1427893
23 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited is pursuing him for a debt he does not owe.backgroundIn February 2015 Vanquis received an application for a credit card. The application was in Mr R’s name, with his address and date of birth. Vanquis opened an account and sent... (2 pages)View decision -
Decision Reference DRN4832058
22 Oct 2015 Vanquis Bank Limited UpheldBanking and creditMr O complains that Vanquis Bank Limited is charging him for a product he never agreed to buy. backgroundMr O tells us he didn’t agree to be a member of the “Value Saver ” service. He says he declined the offer and never received a welcome pack. So he didn’t think ... (2 pages)View decision -
Decision Reference DRN1739062
22 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr L complains about the amount of times Vanquis Bank Limited contacted him to discuss the repayment of his balance. He is also unhappy that interest and charges have been added to his account. backgroundMr L had a credit card account with Vanquis. In April 2014 he e... (2 pages)View decision -
Decision Reference DRN6660756
22 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMrs L complains about the amount of times she has been contacted by Vanquis Bank Limited. Mrs L is also unhappy at charges and interest which have been added to her account. She is assisted in her complaint by her husband. backgroundMrs L had a credit card account ... (2 pages)View decision -
Decision Reference DRN1550856
15 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited will not refund two disputed transactions on his credit card account. backgroundMr P says that someone must have intercepted his replacement credit card and used it to make the disputed transactions. In the circumstances, he do... (2 pages)View decision -
Decision Reference DRN8989864
14 Oct 2015 Vanquis Bank Limited UpheldBanking and creditMs J has complained Vanquis Bank Limited didn’t take into account the problems she had communicating on the phone when managing her account.backgroundMs J got a letter from Vanquis in September 2014 telling her they’d blocked her account as they weren’t sure the most r... (2 pages)View decision -
Decision Reference DRN9286286
8 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited allowed some payments to be charged to his credit card after he’d cleared the balance to close his account.backgroundWhen he complained about this, Vanquis said Mr R had set up some subscriptions with third party companies whic... (2 pages)View decision