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 DRN2775166
24 Apr 2014 Vanquis Bank Limited UpheldBanking and creditMr D complains that he was mis-sold a repayment option plan by Vanquis Bank Ltd and it did not handle his complaint satisfactorily. our initial conclusionsThe adjudicator recommended that this complaint be upheld in part. She did not consider the plan had been mis-sold, but she ... (2 pages)View decision -
Decision Reference DRN9776136
24 Apr 2014 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited automatically added a Repayment Option Plan (ROP) to a credit card account he took out in 2006. Mr F says he was not given a choice about this and it was inappropriate as he was self employed and could not have made a claim. Mr F wants... (2 pages)View decision -
Decision Reference DRN6849781
15 Apr 2014 Vanquis Bank Limited Not upheldBanking and creditMrs R complains about the level of service she has received from Vanquis Bank Limited. The bank has not responded to her letters or made changes she has requested and it has blocked her on- line account. She wants compensation and an apology. our initial conclusionsThe adjudicator d... (2 pages)View decision -
Decision Reference DRN4457813
1 Apr 2014 Vanquis Bank Limited Not upheldBanking and creditMrs G complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. our initial conclusionsThe adjudicator did not uphold the complaint. He said that although there was no record of the initial telephone call when the ROP was sold to Mrs G, the bank had provi... (2 pages)View decision -
Decision Reference DRN0322414
31 Mar 2014 Vanquis Bank Limited UpheldBanking and creditMiss G complains that Vanquis Bank Limited will not refund the money that she paid for some photos.our initial conclusionsThe adjudicator recommended that this complaint should be upheld in part. She was unable to conclude that there had been a breach of contract or misrepresentati... (2 pages)View decision -
Decision Reference DRN1188514
31 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr W complains Vanquis Bank Limited added a Repayment Option Plan (ROP) to his credit card account without telling him.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He concluded it likely Vanquis told Mr W about the ROP plan but he’d forgott... (2 pages)View decision -
Decision Reference DRN3733391
25 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited failed to assist him in his financial difficulties by putting into operation a repayment option plan that he had taken out. The bank rejected reduced payment offers and referred the account to a debt collection agency.background Mr S had a credi... (2 pages)View decision -
Decision Reference DRN1632628
21 Mar 2014 Vanquis Bank Limited UpheldBanking and creditMr D complains that a car he purchased using his credit card was not of satisfactory quality. He brings his claim against Vanquis Bank Limited under section 75 of the Consumer Credit Act 1974.backgroundMr D purchased a car and paid using a combination of his Vanquis credit card, bank tr... (3 pages)View decision -
Decision Reference DRN7283982
21 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs L requested a freeze on her credit card account as the interest rate was due to increase. She thought this would mean no interest would be charged on her account. However, she was charged interest and feels she has been misled by Vanquis Bank Limited. Mrs L also complains about the ... (2 pages)View decision -
Decision Reference DRN8202672
19 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains about a Repayment Option Plan (ROP) on her credit card account with Vanquis Bank Limited. She says she did not ask for this and wants the charges to be refunded. our initial conclusionsOur adjudicator did not recommend that the complaint be upheld. She said, in su... (2 pages)View decision
