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 DRN8898488
19 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMrs A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card. She is also unhappy that it did not provide her with a recording of the sales call despite several requests. our initial conclusionsThe adjudicator recom... (2 pages)View decision -
Decision Reference DRN1985335
19 Nov 2013 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2011. Mr N says that Vanquis did not explain the feature and he was told it was compulsory.our initial conclusionsThe adjudicator did not recommend that the... (2 pages)View decision -
Decision Reference DRN7857479
19 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited duplicated a payment to her bank account in error, which caused her to exceed the credit card limit.backgroundIn March 2013 Miss W asked for a cash advance from her Vanquis credit card to be credited to her current account. The payment was... (1 page)View decision -
Decision Reference DRN2298355
12 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that he was overcharged when he parked without authority on a piece of land and was subsequently wheel-clamped by the supplier. He complains in any event the supplier acted illegally and he only paid the money under duress.Mr J brings his complaint against Vanquis Bank Lim... (3 pages)View decision -
Decision Reference DRN9823398
7 Nov 2013 Vanquis Bank Limited UpheldBanking and creditsummary of complaintMrs T is dissatisfied with Vanquis Bank Limited’s (Vanquis) response to her complaint under section 75 of the Consumer Credit Act 1974. She is seeking a refund of unsatisfactory building works.backgroundMrs T contracted with a company, which I will refer to as C,... (2 pages)View decision -
Decision Reference DRN5280082
6 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited took too long to update his credit files following settlement of his credit card account. He says this caused him distress and inconvenience in that it took him several months to have the information corrected and meant several applications... (2 pages)View decision -
Decision Reference DRN9671907
31 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited defaulted his credit card account, and that it failed to supply him with appropriate information to enable him to understand why this action was taken. He seeks the removal of this default from his credit file.backgroundMr H’s credit card ex... (2 pages)View decision -
Decision Reference DRN8901320
31 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited will not refund to him the money that he paid for some goods that he says were not delivered to him. His complaint is made against Vanquis Bank under section 75 of the Consumer Credit Act 1974.backgroundMr J ordered some goods which were to b... (2 pages)View decision -
Decision Reference DRN3939021
30 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains, via his wife, that Vanquis Bank Limited-Acted irresponsibly when it agreed to give him a credit card in 2008 because he had already experienced problems repaying his debts and had a bad credit rating.-Told him the credit card would not be granted unless he also too... (3 pages)View decision -
Decision Reference DRN5592953
28 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that Vanquis Bank Limited mis-sold a repayment option plan (ROP) when she took out a credit card. She says that, being self-employed, the plan was inappropriate for her.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He ... (2 pages)View decision
