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 DRN2369412
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs T complains that Vanquis Bank Limited has sought to recover payment from her for spending on a credit card which she says she has no knowledge of and was likely to have been taken out in her name by her former husband.backgroundThe account was opened in February 2006 in Mrs T’... (2 pages)View decision -
Decision Reference DRN0118511
30 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditsummary of complaintMr W complains that Vanquis Bank Limited would not let him activate his Repayment Option Plan (ROP). He complains that he has been harassed and given inconsistent information.backgroundMr W has a credit card with Vanquis.In August 2011 Mr W asked Vanquis to activate ... (3 pages)View decision -
Decision Reference DRN5648303
27 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited as it was not properly explained to her.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that the policy was a Repayment Option Pla... (2 pages)View decision -
Decision Reference DRN8993607
25 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMiss J complains about the way Vanquis Bank Limited treated her after she advised it she was experiencing financial difficulties. our initial conclusionsOur adjudicator recommended the complaint should be upheld. He was satisfied that Vanquis did not treat Miss J positively and symp... (2 pages)View decision -
Decision Reference DRN0101610
19 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains that he is still receiving statements for an account he settled in July 2012 and that Vanquis Bank Ltd delayed updating his credit file to reflect that the account was settled. He wants the bank to properly close the account, remove his details from its records a... (2 pages)View decision -
Decision Reference DRN4826961
19 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that he was wrongly sold a Repayment Option Plan (ROP) on his account with Vanquis Bank Limited. He wants Vanquis to refund all charges from 2004 to 2010. Mr C is represented in this complaint by a relative, Mrs R.our initial conclusionsThe adjudicator did not recom... (2 pages)View decision -
Decision Reference DRN9883323
17 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains that a Repayment Option Plan (ROP) was added to his credit card account by Vanquis Bank Limited, without him agreeing to it. He wants a refund of all charges made for the plan.our initial conclusionsThe adjudicator did not recommend that this complaint should be uphe... (2 pages)View decision -
Decision Reference DRN3271623
16 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr Z complains about a Repayment Option Plan he had on his credit card account. He says Vanquis Bank Limited added the plan to his account without telling him, then said he had to have it. He says Vanquis later cancelled the plan – again without telling him – so he couldn’t c... (2 pages)View decision -
Decision Reference DRN8834057
13 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMiss Q complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. Miss Q is represented by a claims management company.our initial conclusionsMiss Q said that she was mis-sold the ROP when she opened her Vanquis credit card account. The adjudicator did n... (2 pages)View decision -
Decision Reference DRN0549597
12 Sep 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. Ms A says that Vanquis presented the ROP as a compulsory product and did not explain it to her. She also complains about Vanquis’ response to her complaint... (2 pages)View decision
