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
-
Decision Reference DRN7791938
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMrs D complained that her Repayment Option Plan with Vanquis Bank Limited was mis-sold to her. She said it was superfluous to her requirements, and that she’d believed she had to take the plan in order to get the credit card. our initial conclusionsThe adjudicator read Vanquis’ s... (2 pages)View decision -
Decision Reference DRN0233618
12 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complained that his Repayment Option Plan with Vanquis Bank Limited was mis-sold to him. He said it was superfluous to his requirements, and that he’d believed he had to take the plan in order to get the credit card. our initial conclusionsThe adjudicator read Vanquis’ sc... (2 pages)View decision -
Decision Reference DRN2267415
4 Dec 2014 Vanquis Bank Limited Not upheldBanking and creditMr H complains Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he opened a credit card account.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld as he couldn’t see any evidence of misselling. Mr H disagrees. In summary, h... (2 pages)View decision -
Decision Reference DRN8557014
24 Nov 2014 Vanquis Bank Limited Not upheldBanking and creditMr J is unhappy with Vanquis Bank Limited because it refused to activate his Repayment Option Plan (ROP) and freeze his credit card account when he wasn’t working.backgroundMr J took the bank’s ROP with his credit card. It allowed him, for an extra monthly payment and subject to its ... (2 pages)View decision -
Decision Reference DRN1660863
21 Nov 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he took out a credit card with it in May 2010. He would like it to refund the ROP payments, together with interest.our initial conclusionsThe adjudicator did not consider that this complaint ... (2 pages)View decision -
Decision Reference DRN9627664
18 Nov 2014 Vanquis Bank Limited Not upheldBanking and creditMiss S complains about the interest and charges that Vanquis Bank Limited has applied to her credit card account.background Miss S experienced financial difficulties.She says she told Vanquis about those difficulties in October 2013. Vanquis says it wasn’t told about those difficultie... (2 pages)View decision -
Decision Reference DRN6857697
12 Nov 2014 Vanquis Bank Limited UpheldBanking and creditMr G complained about difficulties he had in closing his credit card account with Vanquis Bank Limited.backgroundIn April 2013, Mr G and Vanquis agreed that he would pay the outstanding balance of £1,365.69, and the bank would refund the remaining balance the next month and close the a... (2 pages)View decision -
Decision Reference DRN6468459
17 Oct 2014 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited will not refund to her the money that she paid for a nail care course that was cancelled. Her complaint is made against Vanquis Bank under section 75 of the Consumer Credit Act 1974.backgroundMiss C paid £474 to a course provider, using her Van... (2 pages)View decision -
Decision Reference DRN2112481
30 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMr C complains that Vanquis Bank Limited, declined his credit card payment and as a result he was unable to obtain flights at a promotional rate. His daughter had to buy the flights the next day at a higher price. He wants compensation from Vanquis.backgroundOn 19 December 2013, Mr C pai... (1 page)View decision -
Decision Reference DRN7236990
30 Sep 2014 Vanquis Bank Limited Not upheldBanking and creditMr A complains a payment he made to his Vanquis Bank Limited credit card account didn’t reach it.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. In his view Vanquis had correctly applied the payment in line with the instructions Mr A g... (2 pages)View decision