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 DRN0639662
19 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMiss F complains that she has been pursued by Vanquis Bank Limited for a debt which is not hers. She wants any adverse information to be removed and compensation for distress and inconvenience.background Miss F says that she was contacted by an agent of Vanquis who had been instructed to... (2 pages)View decision -
Decision Reference DRN6947868
18 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains about a Repayment Option Plan (ROP) on his account with Vanquis Bank Limited. He says it was ‘mis-sold’ to him as he believed he would not be charged if he paid off his purchases in full each month. our initial conclusionsOur adjudicator did not recommend that th... (2 pages)View decision -
Decision Reference DRN8851219
13 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card in 2007.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. Vanquis was unable to provide the actual call recording due to... (2 pages)View decision -
Decision Reference DRN6185572
7 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMs W complains about a Repayment Option Plan (ROP) she had on her credit card account with Vanquis Bank Limited. She says that she accepted the policy because she felt pressured. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. He s... (2 pages)View decision -
Decision Reference DRN9869481
5 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs T complains, through a complaints management company, that she did not agree to the Repayment Option Plan (‘ROP’) that Vanquis Bank Limited included in her credit card account. She wants to be reimbursed any money due to her.our initial conclusionsMrs T says that she was sold a... (2 pages)View decision -
Decision Reference DRN0216914
28 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMrs J complains that she was unable to benefit from the Repayment Option Plan on her credit card with Vanquis Bank Limited, and that a payment holiday she requested was refused. background Mrs J agreed to take out a Repayment Option Plan for her credit card in October 2010. The bank pr... (2 pages)View decision -
Decision Reference DRN0364219
27 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMr K complains that Vanquis Bank Limited did not freeze the interest and charges on his credit card account for several months after he told it that he was in financial difficulty and that a debt management company was taking over payments. backgroundMr K told Vanquis that he was in fi... (2 pages)View decision -
Decision Reference DRN9956253
26 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMrs L complains that when Vanquis Bank Limited closed a credit card, it did not return two payments of £50 which she had made. She is represented by her husband Mr L.backgroundMrs L received phone calls from Vanquis asking for payments to a credit card in her name which had been ... (2 pages)View decision -
Decision Reference DRN8880500
18 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited is asking him to repay a debt that he believes has been cleared through a debt management plan. Mr B wants the bank to acknowledge that the debt has been cleared.our initial conclusionsThe adjudicator did not recommend that this complaint s... (2 pages)View decision -
Decision Reference DRN2746934
14 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited blocked her credit card while she was on holiday. She says that she could not provide the information required to unblock the card, and so the card stayed blocked. She subsequently complained to Vanquis, and feels that the bank did not deal with... (2 pages)View decision
