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 DRN1001497
12 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs T complains about a letter from a collection agency and how queries about it were handled.our initial conclusionsOur adjudicator did not recommend that this complaint be upheld. She did not consider that the collection agency’s letter was misleading and could not say that Vanq... (2 pages)View decision -
Decision Reference DRN2812025
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr R complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited as he was self-employed and could never claim on it.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She concluded that the plan was a Repaymen... (2 pages)View decision -
Decision Reference DRN1235817
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that the repayment option plan with her Vanquis Bank Limited credit card was mis-sold. She is represented in her complaint by a third party.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He considered the information pr... (2 pages)View decision -
Decision Reference DRN1764505
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that he was mis-sold the Repayment Option Plan (ROP). He says he felt pressured by Vanquis Bank Limited into taking it and that, when he tried to cancel it, the bank persuaded him not to. He would like a full refund of the plan premiums and interest.our initial conc... (2 pages)View decision -
Decision Reference DRN2012788
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. He says that he did not agree to it because it was not suitable for his circumstances.our initial conclusionsOur adjudicator did not recommend that this complaint should be upheld. He con... (2 pages)View decision -
Decision Reference DRN6949280
11 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMrs R complains about Vanquis Bank Limited’s behaviour relating to chasing overdue amounts on her credit card account - in particular, calling her at work after she asked it not to do so.backgroundMrs R was in arrears on her credit card account and Vanquis Bank contacted her repeatedly... (2 pages)View decision -
Decision Reference DRN8184044
5 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that Vanquis Bank Limited wrongly added a Repayment Option Plan (“ROP”) to his card account.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that, Vanquis would have explained the ROP to him in a phone call f... (2 pages)View decision -
Decision Reference DRN3134898
5 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that he was sold a Repayment Option Plan (ROP) he did not want. It was added to his credit card account and he wanted Vanquis Bank Limited to refund the payments. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. The bank... (2 pages)View decision -
Decision Reference DRN8438897
5 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited did not cancel his Repayment Option Plan (ROP) when he asked it to. Mr D asks that charges are refunded and his credit file restored. our initial conclusionsThe adjudicator did not recommend the complaint should be upheld, saying there was ... (2 pages)View decision -
Decision Reference DRN6786224
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMs L complains that Vanquis Bank Limited led her to believe that she could not have a credit card unless she took out a repayment option plan and gave her misleading examples about how the plan could apply to her. Ms L asks that her premiums are refunded with interest.our initial con... (2 pages)View decision
