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 DRN2283811
12 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card. Ms B says that Vanquis presented the ROP as a compulsory product and did not explain it to her.our initial conclusionsThe adjudicator did not recommend that ... (2 pages)View decision -
Decision Reference DRN2905583
12 Sep 2013 Vanquis Bank Limited Not 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. Mrs A says that Vanquis presented the ROP as a compulsory product and did not explain it to her.our initial conclusionsThe adjudicator did not recommend that... (2 pages)View decision -
Decision Reference DRN7128426
10 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMrs K complains about information that Vanquis Bank Limited has recorded on her credit file. She says it has linked addresses that have nothing to do with her to her details.our initial conclusionsOur adjudicator recommended that the complaint should be upheld. Vanquis did not repl... (2 pages)View decision -
Decision Reference DRN6597872
5 Sep 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 with it. Mr B says that Vanquis presented the ROP as a compulsory product and did not explain it to him.our initial conclusionsThe adjudicator did not recommen... (2 pages)View decision -
Decision Reference DRN3169403
5 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMr R complained to Vanquis Bank Limited about a number of mistakes it made concerning his account. These included duplicate entries on his credit report, and inaccurate information about a default recorded on his credit file. When the bank failed to deal with the issues, he conta... (2 pages)View decision -
Decision Reference DRN7295949
30 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP), and says it did not cancel the policy when he asked it to. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. As ROP is not Payment Protection Insuran... (2 pages)View decision -
Decision Reference DRN0068275
29 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited but he remembers agreeing to Payment Protection Insurance (PPI). He is also unhappy that Vanquis did not respond to his initial complaint.our initial conclusionsThe adjudicator did not rec... (2 pages)View decision -
Decision Reference DRN5967823
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMiss E complains that Vanquis Bank Limited did not use its repayment option plan (ROP) to suspend payments when she lost her job. She says it would not acknowledge her payment of £500 but harassed her to pay an outstanding balance. It should refund interest and charges, she says. our... (2 pages)View decision -
Decision Reference DRN4877716
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMr D complains about the customer service he has received from Vanquis Bank Limited and that it did not provide him with a settlement figure for his credit card but instead defaulted his account.our initial conclusionsOur adjudicator recommended that Mr D’s complaint should be u... (2 pages)View decision -
Decision Reference DRN2482736
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMr D complains that Vanquis Bank Limited applied interest and charges to his credit card account when he was in financial difficulties following an accident. Mr D asks that the charges and interest be refunded so he can repay the debt. backgroundMr D was unable to work following an accide... (2 pages)View decision
