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
-
Decision Reference DRN7804434
30 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited rejected his claim under S75 Consumer Credit Act 1974 regarding an online visa service.backgroundMr E registered with a retailer providing an online visa service on 3 May 2014. Two days later, during a phone conversation with ... (2 pages)View decision -
Decision Reference DRN0713532
30 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited took a payment from his account without his authority.our initial conclusionsMr B made three payments to Vanquis as agreed under a repayment plan. But although he arranged to stop the payment, Vanquis took another instalment. It was three da... (2 pages)View decision -
Decision Reference DRN1137635
25 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited has started adding a new charge to his credit card each month with no warning or explanation.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She explained that the charges weren’t new. Vanquis ... (2 pages)View decision -
Decision Reference DRN9862922
19 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited has charged him for a Repayment Option Plan (‘ROP’) which he doesn’t remember agreeing to.our initial conclusionsMr A took out a credit card with Vanquis in July 2008. The ROP was added to his account ten days later. Payments for the R... (2 pages)View decision -
Decision Reference DRN0964109
11 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited (“the bank”) was incorrect to place a block on his credit card account when he took a payment from a customer that it deemed suspicious. backgroundIn October 2014 a payment was made into Mr E’s account via his mobile phon... (2 pages)View decision -
Decision Reference DRN0449862
10 Jun 2015 Vanquis Bank Limited UpheldBanking and creditMr S has complained about the quality of a kitchen he bought, which was partly financed (£2,507.44) using his Vanquis Bank Limited credit card.backgroundMr S bought a kitchen from a third party supplier. However, he has explained that after it was installed, it bec... (2 pages)View decision -
Decision Reference DRN6609315
28 May 2015 Vanquis Bank Limited Not upheldBanking and creditMrs E complains that Vanquis Bank Limited applied a ROP (repayment option plan) to her account without her agreement.backgroundMrs E took out a Vanquis credit card in 2008. She set up a direct debit for monthly payments and says that she never checked her statements and... (2 pages)View decision -
Decision Reference DRN9999920
27 May 2015 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that Vanquis Bank Limited charged her for a Repayment Option Plan (ROP) which she doesn’t recall agreeing to. She’d like all the charges she’s paid for this to be reimbursed.our initial conclusionsThis complaint is about a ROP taken out in 2012 and the policy wa... (2 pages)View decision -
Decision Reference DRN7420957
21 May 2015 Vanquis Bank Limited Not upheldBanking and creditMiss B complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited in November 2009.our initial conclusionsOur adjudicator didn’t recommend that Miss B’s complaint should be upheld. He didn’t agree that the ROP was added without Miss B’s agreement. And he th... (2 pages)View decision -
Decision Reference DRN4603726
18 May 2015 Vanquis Bank Limited Not upheldBanking and creditMrs H complains that Vanquis Bank Limited hasn’t taken her ill health into account in considering her ability to meet payment demands for a debt on her credit card.backgroundMrs H has an outstanding debt on her credit card. She is elderly and very unwell. Her son, ... (2 pages)View decision