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 1394 results
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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 -
Decision Reference DRN0123554
5 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr D complains Vanquis Bank Limited telephoned his partner at work on a number of occasions, and this caused him stress.our initial conclusionsOur adjudicator didn’t uphold the complaint because she couldn’t find evidence that Vanquis had actually rung the number in question bu... (2 pages)View decision -
Decision Reference DRN7145922
24 Sep 2015 Vanquis Bank Limited UpheldBanking and creditMr D says Vanquis Bank Limited failed to update his address on its system, despite him making two such requests. Mr D complains about Vanquis’ treatment of him as he tried to obtain a new card and to maintain payments that fell due.backgroundI’ve attached my prov... (5 pages)View decision -
Decision Reference DRN2028679
24 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited has unfairly registered a late payment notification on her credit file. backgroundIn April 2015, Mrs B wished to close her credit card account. She had previously set up a direct debit to pay £40 per month into her account, ... (2 pages)View decision -
Decision Reference DRN9687737
17 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains about late payment charges imposed by Vanquis Bank Limited. He wants the charges to be refunded, and also £200 to cover his expenses.backgroundMr G had a credit card account with Vanquis. He was paying it by direct debit from an account he had with a... (2 pages)View decision -
Decision Reference DRN4952947
17 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr H complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited in February 2011. He also wants the bank to explain why it has charged additional finance charges and if necessary, refund them.backgroundMr H took out the ROP in February 2011 d... (2 pages)View decision -
Decision Reference DRN6433958
15 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited (“Vanquis”) mis-sold a Repayment Option Plan (‘ROP’) to him.backgroundMr J bought an ROP when he took a credit card with Vanquis in 2008. At least part of the application process took place by phone. Mr J said he wasn’t told... (2 pages)View decision -
Decision Reference DRN1024552
4 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (‘ROP’). She’d like Vanquis to refund the money she paid for the plan.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She said, in summary, that Vanquis ... (2 pages)View decision -
Decision Reference DRN8162242
3 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that she’s paid Vanquis Bank Limited for a credit card related product she did not know about.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She said that Vanquis did not offer Payment Protection Insurance. Mrs A’s acc... (2 pages)View decision