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 DRN3921139
9 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMiss J complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) with her credit card. She says she has no recollection of agreeing to take out the product, and would never have done so. She would like the fees she has paid for the ROP to be refunded. our... (2 pages)View decision -
Decision Reference DRN0666112
9 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMs D complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. Ms D is represented in her complaint by an advisor, K.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. She concluded, in summary, that ROP wa... (2 pages)View decision -
Decision Reference DRN7735411
7 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited has made him liable for transactions abroad that he did not carry out or authorise. backgroundMr T has a credit card with Vanquis Bank.In June 2012 Mr T travelled abroad. He says he received a call whilst he was abroad asking him whether he had ... (2 pages)View decision -
Decision Reference DRN6435047
2 Jan 2014 Vanquis Bank Limited UpheldBanking and creditMiss K complains that Vanquis Bank Limited called too early for a direct debit payment after she switched her account to a new bank. As a result, it was returned unpaid and this caused her financial problems. backgroundWhen Miss K switched her bank account, Vanquis Bank cancelled the d... (2 pages)View decision -
Decision Reference DRN4127509
18 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMiss Y complains (through a claims management company) that a Repayment Option Plan (ROP) on her credit card was wrongly sold to her by Vanquis Bank Limited. She had thought it was compulsory.our initial conclusionsThe adjudicator did not recommend that the complaint was upheld. Sh... (2 pages)View decision -
Decision Reference DRN9525683
18 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited did not set up a direct debit to pay his credit card and did not respond to his complaint in a timely manner.our initial conclusionsThe adjudicator considered the bank had made a reasonable offer to resolve the complaint. Vanquis acknowled... (2 pages)View decision -
Decision Reference DRN1666616
17 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMiss V complains about the way that Vanquis Bank Limited has dealt with her account. In particular she complains that it mis-sold her a repayment option plan, that it collected premiums for the plan when she was experiencing financial difficulties and that it phoned her excessive... (2 pages)View decision -
Decision Reference DRN9931355
17 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited has unfairly refused to refund interest and charges applied to his credit card account between December 2009 and March 2010. He contacted Vanquis in September 2012, but the bank did not refund any money.backgroundMr C came into serious financial ... (1 page)View decision -
Decision Reference DRN4366642
16 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that she was mis-sold a repayment option plan on her credit card account with Vanquis Bank Limited.our initial conclusionsThe plan had been set up on Mrs R’s account when she opened it in 2008, and the monthly payment for the plan had been shown in each statement s... (2 pages)View decision -
Decision Reference DRN0657693
13 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr F complains that Vanquis Bank Limited (Vanquis) has continued sending him statements about his credit card saying he has available credit even though he has asked for the account to be closed.our initial conclusionsOur adjudicator recommended that this complaint be upheld. Sh... (2 pages)View decision
