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 DRN7042407
1 Sep 2015 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited is holding her responsible for a cash machine withdrawal from her credit card account that she didn’t make herself or authorise someone else to make. backgroundOn 4 January 2015 £300 was withdrawn from a cash machine using ... (2 pages)View decision -
Decision Reference DRN8537705
28 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr C complains Vanquis Bank Limited sold him a Repayment Option Plan (ROP) with his credit card which he didn’t want.our initial conclusionsMr C believes the ROP is a Payment Protection Insurance (PPI) policy. He only noticed the charges recently and asked for a refund. The adj... (2 pages)View decision -
Decision Reference DRN0085070
25 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr P complains he was mis-sold a Repayment Option Plan (ROP) and Identity Theft Alert product (ITA) by Vanquis Bank Limited.backgroundMr P applied for a Vanquis credit card in 2011 and was phoned by Vanquis shortly after he’d made the application. During that call, Mr P... (2 pages)View decision -
Decision Reference DRN1520036
20 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr T complains Vanquis Bank Limited has not replied to his letters and so owes him £10,000.backgroundMr T wrote to Vanquis about a debt it said he owed. He says Vanquis didn’t respond and that it owes him £10,000 as a result. He complained to us.Our adjudicator recom... (1 page)View decision -
Decision Reference DRN3696329
14 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I’m required to ask Mr B either to accept or reject my decision before 14 September 2015. Rebecca Ellis ombudsman at the Financial Ombudsman ServicecomplaintMr B is unhappy about how Vanquis Bank Limited has dealt with his credit ... (2 pages)View decision -
Decision Reference DRN3161032
12 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited won’t remove a default from his credit file.backgroundMr I explains that he suffers from an illness and at the time of taking out a credit card with Vanquis Bank he didn’t really know what he was doing. He can’t afford to pay ... (2 pages)View decision -
Decision Reference DRN5316665
12 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that an account was fraudulently opened in his name by an unknown person at Vanquis Bank Limited. The account has now been defaulted for non-payment. He wants Vanquis to update his credit file and pay him compensation for his distress. He has also com... (2 pages)View decision -
Decision Reference DRN3749418
11 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited (“Vanquis”) didn’t freeze interest and charges on her credit card account when she asked them to.backgroundIn March 2012 Ms B contacted Vanquis to ask them to freeze her account following a recent bereavement. Vanquis say they re... (2 pages)View decision -
Decision Reference DRN8778858
11 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMiss D complains about the default date that Vanquis Bank Limited recorded on her credit file.backgroundMiss D opened a Vanquis credit card account in November 2008, but by January 2009 she had exceeded her £250 credit limit and the account was suspended the following ... (2 pages)View decision -
Decision Reference DRN8133851
4 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr N complains that Vanquis Bank Limited blocked his credit card account when he made a payment taking him into credit. He’s unhappy about the information Vanquis wanted him to give to it. This delayed the credit balance being paid to him.Mr N originally wanted quite ... (2 pages)View decision