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
-
Decision Reference DRN8076472
3 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMr Z complains that Vanquis Bank Limited refused him a payment holiday under its repayment option plan (ROP) although he had complied with all the conditions to be eligible. He would like to be put in the same position as if the payment holiday had been activated when he asked ... (2 pages)View decision -
Decision Reference DRN4624089
3 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited will not refund to him the money that he paid, using his credit card, to a company for services relating to his timeshare. His complaint is made against Vanquis Bank under section 75 of the Consumer Credit Act 1974.backgroundMr C agreed to pay a ... (2 pages)View decision -
Decision Reference DRN0785252
23 May 2014 Vanquis Bank Limited UpheldBanking and creditMr S complains that Vanquis Bank Limited continues to contact him by telephone when he asked it not to. backgroundMr S has a credit card with Vanquis. He has an outstanding balance on the card. Mr S is unhappy that he has received a large number of phone calls from Vanquis to discuss h... (2 pages)View decision -
Decision Reference DRN9768012
23 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited continued to take monthly payments by direct debit regardless of the standing order she later set up to pay her credit card balance. She also complains that the direct debits were continued even when the minimum monthly payment on the accoun... (2 pages)View decision -
Decision Reference DRN8750417
14 May 2014 Vanquis Bank Limited UpheldBanking and creditMiss F complains about the level of service provided by Vanquis Bank Limited in response to her questions about her credit card application. She seeks £100 compensation. our initial conclusionsThe adjudicator recommended that Vanquis pay Miss F £50 compensation for her distress a... (2 pages)View decision -
Decision Reference DRN4200345
9 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains Vanquis Bank Limited was unhelpful and harassed her with phone calls when it should have written off her debt, in view of her financial difficulties. backgroundMrs A and her husband both became unemployed in 2013. Mrs A couldn’t meet her credit card repayments and contac... (2 pages)View decision -
Decision Reference DRN9916858
8 May 2014 Vanquis Bank Limited UpheldBanking and creditMiss A complains that Vanquis Bank Limited (trading as Vanquis Bank) didn’t assist her when she was trying to repay her account balance. She says as a result she paid what she thought was the right amount. But the bank says it wasn’t enough, and it’s continued to apply charges a... (2 pages)View decision -
Decision Reference DRN2379869
6 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited did not accept evidence she provided to re-activate her Repayment Option Plan (ROP) and failed to respond to all her calls. She seeks compensation.our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. Sh... (2 pages)View decision -
Decision Reference DRN1161374
2 May 2014 Vanquis Bank Limited UpheldBanking and creditMrs W complains that Vanquis Bank Limited (Vanquis) has held her liable for a number of transactions that she says she did not make or authorise.backgroundMrs W took out a credit card with Vanquis in 2009. She soon decided that she was not happy with the account and phoned Vanquis th... (2 pages)View decision -
Decision Reference DRN2414412
30 Apr 2014 Vanquis Bank Limited Not upheldBanking and creditMr O complains that charges were wrongly applied to his credit card account with Vanquis Bank Limited from November 2011 until March 2012.backgroundMr O has a credit card account with the bank. His credit card account benefits from a Repayment Option Plan (ROP). The ROP offers protect... (2 pages)View decision
