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 DRN9542034
30 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr I complains about the way that Vanquis Bank Limited handled his credit card account when his circumstances changed and led to money problems. backgroundMr I went over his credit limit and couldn’t afford the payments he owed Vanquis. He contacted Vanquis about this in ... (2 pages)View decision -
Decision Reference DRN8774041
29 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMs N complains that Vanquis Bank Limited has charged her interest charges on her credit card account, which she says is wrong. She says she made the scheduled payment on time. So she says it looks like she’s been charged interest in advance. Ms N wants the charges r... (2 pages)View decision -
Decision Reference DRN0157538
23 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited suspended his credit card. backgroundMr B had a credit card account with Vanquis. In 2013, he did not make all the payments due, and the account was passed to its Collections department. Mr B lost his credit card in January... (3 pages)View decision -
Decision Reference DRN1677940
16 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr W complains about the way Vanquis Bank Limited managed his credit card account. He’s unhappy that arrears built up even though he has a direct debit set up to pay the required minimum payment monthly. He says he wasn’t kept adequately informed about the status of ... (2 pages)View decision -
Decision Reference DRN0530889
16 Jul 2015 Vanquis Bank Limited UpheldBanking and creditMr E complains that Vanquis Bank Limited didn’t refund £45 owing to him as a result of credit card transaction. He wants the money refunded. And compensation for the inconvenience and the cost of phone calls.our initial conclusionsOur adjudicator upheld the complaint. She found tha... (2 pages)View decision -
Decision Reference DRN5855260
13 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMrs P complains Vanquis Bank Limited sold her a Repayment Option Plan (ROP) which she didn’t want.our initial conclusionsMrs P said the ROP was not properly described at the time of the sale. The charges weren’t always listed on her statements so she didn’t know what it was. The... (2 pages)View decision -
Decision Reference DRN0353980
9 Jul 2015 Vanquis Bank Limited UpheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr B either to accept or reject my decision before 10 August 2015. Susan Webb ombudsman at the Financial Ombudsman ServicecomplaintMr B complains that Vanquis Bank Limited unfairly defaulted his account whi... (2 pages)View decision -
Decision Reference DRN7136680
8 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr G had a credit card with Vanquis Bank Limited (Vanquis). He complains that Vanquis could have informed him of a Repayment Option Plan earlier than it did and that this could have been helpful to him due to his circumstances. He also says that he agreed to pay Va... (2 pages)View decision -
Decision Reference DRN6552577
8 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (‘ROP’). He’d like it to refund all premiums he paid for the plan, plus interest.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She said, in summary, that ... (2 pages)View decision -
Decision Reference DRN8840536
3 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr I received a number of credit cards from Vanquis Bank Limited. He is unhappy about a number of incidents involving those cards.backgroundVanquis called Mr I about fraudulent transactions on a card which was reported as lost, a card was declined when he tried to use ... (2 pages)View decision