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 DRN2050735
13 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP), when he opened a credit card account with Vanquis, because it did not fully explain the terms and conditions to him. Mr Q would like Vanquis to refund all the ROP payments that he has paid.our init... (2 pages)View decision -
Decision Reference DRN5335547
12 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis Bank Limited wrongly added a Repayment Option Plan to her credit card account. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In summary, he considered that when Mrs D opened the account, Vanquis had expla... (2 pages)View decision -
Decision Reference DRN7098104
12 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that Vanquis Bank Limited failed to activate the benefits of his Repayment Option Plan (ROP) and refused to deal with his solicitor. Mr T is represented by his solicitor.our initial conclusionsThe adjudicator was satisfied that Mr T’s circumstances were not covere... (2 pages)View decision -
Decision Reference DRN9266812
11 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMiss N complains that Vanquis Bank Limited added a repayment option plan (ROP) to her account without her knowledge or consent. She is represented by M, a claims management company. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. H... (2 pages)View decision -
Decision Reference DRN3027101
11 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr H complains that Vanquis Bank Limited lost payments that he made to his account, causing him to accrue charges and be pursued in respect of payments he had already made.our initial conclusionsAn adjudicator investigated the complaint and concluded that Vanquis had not accou... (2 pages)View decision -
Decision Reference DRN6511460
10 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains that Vanquis Bank Limited applied interest to his credit card account when his repayment option plan (ROP) was activated.our initial conclusionsThe adjudicator recommended the complaint should be upheld. Vanquis activated the plan in April 2009 but charged interest... (2 pages)View decision -
Decision Reference DRN8946015
5 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited applied the Repayment Option Plan (ROP) to his credit card account without his permission.our initial conclusionsVanquis said that when Mr L opened his credit card account in 2007 he agreed to take out the ROP. Mr L disagreed, and said... (2 pages)View decision -
Decision Reference DRN1807258
4 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2005. He also complains that he attempted to cancel the plan when he realised it had been applied but that Vanquis would not cancel it. our initial conclusio... (2 pages)View decision -
Decision Reference DRN0528746
29 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited wrongly reinstated a Repayment Option Plan on his account and unfairly applied charges and interest when he was in financial difficulties.backgroundMr J was having difficulties with his repayments and he contacted Vanquis to arrange a repayment pla... (2 pages)View decision -
Decision Reference DRN5591290
21 Nov 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited increased her credit limit without ensuring she could meet the potential increase in monthly repayments and mis-sold her Repayment Option Plan (ROP). She is also unhappy with the bank’s response when she told it she was having financial difficult... (2 pages)View decision
