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 DRN9291509
21 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMr O has complained that Vanquis Bank Limited has not updated his credit record to reflect his correct name.backgroundMr O has two first names which he has asked Vanquis to use and to update his credit record. As Mr O applied for his Vanquis credit card using one... (2 pages)View decision -
Decision Reference DRN8714237
16 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited blocked his credit card when he tried to make a payment to his account.backgroundMr W had recently taken out a Vanquis credit card. He used the card to buy some items. He then made a payment to the credit card account. Van... (2 pages)View decision -
Decision Reference DRN9576902
14 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMr H complains that he was mis-sold a Repayment Option Plan by Vanquis Bank Limited (trading as Vanquis Bank) and he wants a refund of the premiums that he has paid.our initial conclusionsOur adjudicator did not recommend that the complaint be upheld. He found that Vanquis had exp... (2 pages)View decision -
Decision Reference DRN0979433
8 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMs A, on behalf of Mr F, complains that Vanquis Bank Limited turned down Mr F’s application for a credit card. She also complains that Vanquis Bank passed Mr F’s details on to third parties.backgroundMr F received a credit card application form from Vanquis Bank in ... (2 pages)View decision -
Decision Reference DRN2416746
2 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP).backgroundMr T says that he applied for a Vanquis credit card in a shopping centre in 2006. He says that Vanquis added the ROP at the same time and without his knowledge. He wants ... (1 page)View decision -
Decision Reference DRN8903191
2 Apr 2015 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP).our initial conclusionsThis complaint is about a ROP taken out in 2010. The policy was added to Mrs F’s credit card account when she applied for the card over the phone.Our adjudicator did not u... (2 pages)View decision -
Decision Reference DRN6603094
31 Mar 2015 Vanquis Bank Limited UpheldBanking and creditMs D complains that Vanquis Bank Limited failed to accommodate her after she told them she wanted statements in large print. She also says it failed to assist her when she faced financial difficulties. backgroundVanquis accepts it failed to send Ms D large print state... (2 pages)View decision -
Decision Reference DRN2683719
26 Mar 2015 Vanquis Bank Limited UpheldBanking and creditMr E complains that a holiday club membership he purchased using his Vanquis Bank Limited credit card was misrepresented to him.Mr E considers Vanquis is liable to him for this misrepresentation under section 75 of the Consumer Credit Act 1974.“Mrs G”, Mr E’s relative ... (3 pages)View decision -
Decision Reference DRN9073126
26 Mar 2015 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited kept increasing his credit limit even though he asked it not to.backgroundMr F took out a credit card with Vanquis in 2005 with a credit limit of £150. Over a period of time, the limit was increased to £1050. Mr F says he ... (2 pages)View decision -
Decision Reference DRN0405986
24 Mar 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited told him that it would not charge further interest on his credit card account, but that it continued to do so and his credit file has been affected.backgroundMr G called Vanquis in August 2014 and requested that it closed his c... (2 pages)View decision