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 DRN0472524
28 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMs A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card in 2004. Ms A says that Vanquis did not explain the feature and she was not aware it was optional.our initial conclusionsThe adjudicator did not recommend that... (2 pages)View decision -
Decision Reference DRN3109047
24 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis Bank Limited should refund the payments she made for a Repayment Option Plan (ROP) on her credit card.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that Vanquis provided Mrs D with sufficient i... (2 pages)View decision -
Decision Reference DRN2370416
24 Oct 2013 Vanquis Bank Limited UpheldBanking and creditMr E complains that Vanquis Bank Limited charged him late payment and interest charges on his credit card when he had difficulty in clearing a debt. He thinks the bank should refund £40.31. He also complained about the way he was contacted about the debt, explaining he could not take te... (2 pages)View decision -
Decision Reference DRN0712398
22 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMiss G complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) when she applied for a credit card. She wants a refund of all the ROP payments she has made. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. She con... (2 pages)View decision -
Decision Reference DRN9412831
15 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMiss T complains that she was pressurised into buying a Repayment Option Plan (ROP) by Vanquis Bank Limited. She says she was not informed about the product, nor that it could be cancelled. She wants all the payments and associated interest refunded. Miss T is represented by a t... (2 pages)View decision -
Decision Reference DRN4854268
11 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card. Mr S says that he didn’t agree to the plan and that it was not suitable for his specific circumstances.our initial conclusionsThe adjudicator did not recommen... (2 pages)View decision -
Decision Reference DRN8648311
11 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2009. Mr B says Vanquis did not explain the plan to him and it was unsuitable for him due to his medical condition. our initial conclusionsThe adjudicator ... (2 pages)View decision -
Decision Reference DRN5318766
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditA claims management company, representing Mrs J, complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP). our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He was satisfied that Vanquis made clear to Mrs J that the ROP... (2 pages)View decision -
Decision Reference DRN4730974
4 Oct 2013 Vanquis Bank Limited UpheldBanking and creditMr S complains about the manner in which Vanquis Bank Limited dealt with him after he realised he was a victim of identity theft. Mr S says the poor handling of the matter by Vanquis led to him suffering distress and inconvenience. backgroundA credit card was issued to an unknown th... (3 pages)View decision -
Decision Reference DRN2694219
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited won’t reimburse a credit card payment he made when his car was clamped and impounded. He claims the bank’s jointly liable under section 75 of the Consumer Credit Act, and that payment was taken under duress. Mr T wants Vanquis to rework his a... (2 pages)View decision
