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 DRN4653482
27 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited reduced his credit card limit without notice to him and blocked his card whilst he was abroad. He wants a refund of bank charges.our initial conclusionsOur adjudicator did not recommend that Mr T’s complaint should be upheld. He conclude... (2 pages)View decision -
Decision Reference DRN0191999
23 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited is pursuing her for £200 it says she withdrew on her credit card. Mrs B says she didn’t withdraw the money.backgroundWhen Mrs B received her new credit card she says she tried to withdraw £200 in a branch of TSB, but that her card was declined.... (1 page)View decision -
Decision Reference DRN0725823
21 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited told her she could make a credit card repayment of a fixed amount each moth. She says it sent her text messages with conflicting and misleading information about how much she needed to repay. And she says it didn’t keep its promise to refun... (2 pages)View decision -
Decision Reference DRN3242446
20 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited deliberately put him over his agreed credit limit in order to create extra charges and damage his credit. He would like the bank to refund all the charges he’s paid.backgroundOur adjudicator didn’t uphold Mr L’s complaint. After investigating Mr ... (1 page)View decision -
Decision Reference DRN0273767
20 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMs U complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her account and caused her distress with continuous calls and texts.backgroundIn April 2014 Ms U approached her local Citizens Advice Rights (CAR) as she was extremely anxious about her Vanquis card... (1 page)View decision -
Decision Reference DRN3001945
14 Jan 2015 Vanquis Bank Limited Not upheldBanking and creditMiss K complains about a Repayment Option Plan (ROP) on her credit card account with Vanquis Bank Limited. She says she didn’t want the ROP but was told she had to take it to get the card. She’d like a refund of the payments she made for the ROP.our initial conclusionsOur adjudica... (2 pages)View decision -
Decision Reference DRN3424426
14 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMr C had a credit card with Vanquis Bank Limited. He complains that when he changed his address and amended his surname, he had difficulty getting Vanquis to update its records. And he had a credit card transaction declined when the bank blocked his account. He wanted Vanquis to... (2 pages)View decision -
Decision Reference DRN0922851
13 Jan 2015 Vanquis Bank Limited UpheldBanking and creditMr B complains that Vanquis Bank Limited will not refund to him a payment that was made to a hotel when he was on holiday in another country. He also complains that it will not refund to him, under section 75 of the Consumer Credit Act 1974, the money that he paid for a visa and about... (2 pages)View decision -
Decision Reference DRN5033920
17 Dec 2014 Vanquis Bank Limited UpheldBanking and creditMrs T complains that Vanquis Bank Limited (“the bank”) won’t refund her for fraudulent transactions she says were made on her credit card account. backgroundMrs T’s credit card was stolen following a break-in to her car, and was then used to make a number of unauthorised transactions... (1 page)View decision -
Decision Reference DRN0629512
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr B complains Vanquis Bank Limited was wrong to record a late payment marker against his credit file. backgroundIn March 2014 Mr B set up a direct debit on the phone for his monthly credit card repayment. He says the adviser said the first payment would come out in May – but failed... (2 pages)View decision