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 DRN7459422
27 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr F, represented by a claims management company, complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he opened a credit card account with Vanquis. Mr F would like Vanquis to refund all the ROP payments and interest that he has paid on them.our... (2 pages)View decision -
Decision Reference DRN5502418
20 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited missold a Repayment Option Plan (ROP) to her and asks that the premiums are refunded with interest. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld, saying that Mrs C had been given enough inf... (2 pages)View decision -
Decision Reference DRN6961831
16 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs B complains about the way in which Vanquis Bank Limited handled her request for assistance with her financial difficulties.backgroundMs B had to give up work following a significant change in her personal circumstances. Because of this, she started to have difficulty in meeting her ... (3 pages)View decision -
Decision Reference DRN5335224
8 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs Q complains that Vanquis Bank Limited rang a telephone number she had instructed it to remove from its records. She says the bank discussed her credit card account with her father.our initial conclusionsThe adjudicator recommended that the complaint should be upheld. He conclude... (2 pages)View decision -
Decision Reference DRN0405318
30 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMiss T, represented by a claims management company, complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she opened a credit card account with Vanquis. Miss T asks that Vanquis refunds all fees and interest that she has paid under the ROP.our... (2 pages)View decision -
Decision Reference DRN5187342
26 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs T complains that Vanquis Bank Limited (“Vanquis”) did not respond when she wrote to it about her credit card debt. She says the bank continued to levy charges. She complains about irresponsible lending. backgroundMs T wrote a letter to Vanquis in autumn 2012 saying that she was in fin... (2 pages)View decision -
Decision Reference DRN6697021
23 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her credit card account and continued to pursue her for the debt after she informed it she had been made bankrupt. Mrs A is represented by a claims management company.our initial conclusio... (2 pages)View decision -
Decision Reference DRN2474011
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) on his credit card account. He says that his pre-existing medical condition and employment status means the ROP was always unsuitable for him. Mr C is assisted with his complaint by D Ltd.our ini... (2 pages)View decision -
Decision Reference DRN4566058
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs C complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP). She is represented by “D.”our initial conclusionsThe adjudicator was satisfied that the benefits and costs of the ROP were detailed in the terms and conditions which Ms C agreed to when she opened the... (2 pages)View decision -
Decision Reference DRN9448443
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) on her credit card account.our initial conclusionsThe adjudicator was satisfied that the ROP was not miss-sold. In his opinion, Vanquis had given Ms H sufficient information about the ROP. The adju... (2 pages)View decision
