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 DRN1377793
5 Sep 2014 Vanquis Bank Limited UpheldBanking and creditMiss J complains that Vanquis Bank Limited did not credit her account with a payment she made. She then incurred charges and the account has been defaulted.backgroundMiss J made a payment to her credit card account in April 2013. In September she contacted Vanquis because she was conc... (2 pages)View decision -
Decision Reference DRN4131180
29 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMr T complains that when an overpayment was made in error to the credit card he held with Vanquis Bank Limited, the bank has refused to refund the credit.backgroundMr T intended to pay off the balance of his credit card and close the account. At his request, his partner made a payment ... (1 page)View decision -
Decision Reference DRN5156502
29 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr V complains that Vanquis Bank Limited has refused to refund disputed transactions on his credit card account. Mr V says his card was lost or stolen and wants Vanquis to stop pursuing him for the debt and remove any adverse information from his credit record.backgroundDates are centra... (3 pages)View decision -
Decision Reference DRN0116902
18 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited (trading as Vanquis). She seeks a refund of her payments plus interest. our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. She was satisfied that Vanq... (2 pages)View decision -
Decision Reference DRN4245483
15 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited is holding him responsible for six online credit card transactions he says he didn’t make or authorise.backgroundMr R says he doesn’t recognise certain transactions made in August and September 2013. The transactions were made with two different o... (3 pages)View decision -
Decision Reference DRN5879437
14 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold a credit card account to him as at the time he was over 80 years old and in poor health.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He said that Mr C had completed an application ... (2 pages)View decision -
Decision Reference DRN7205966
14 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that a Repayment Option Plan (‘ROP’) was mis-sold to him by Vanquis Bank Limited in 2005 and that it should have suggested he activate this in 2008.backgroundThe adjudicator did not recommend that the complaint should be upheld. He said that: The ROP provides a debt fr... (2 pages)View decision -
Decision Reference DRN2073786
8 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMiss M complains about a repayment option plan on her credit card account with Vanquis Bank Limited. She says the plan was added to her account without her knowledge or consent, and she would like a refund of the charges she has paid for it.our initial conclusionsOur adjudicato... (2 pages)View decision -
Decision Reference DRN4925022
1 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMiss D complains that Vanquis Bank Limited is seeking repayment of an account balance she says she’s repaid.backgroundMiss D received a text message from Vanquis to say she needed to repay her credit card arrears. Vanquis told her the outstanding balance was £186.39. Miss D paid Vanqui... (2 pages)View decision -
Decision Reference DRN4032684
1 Aug 2014 Vanquis Bank Limited UpheldBanking and creditMrs D is unhappy with a hair system which she purchased for £1000 using her credit card. She brings her complaint against Vanquis Bank Limited under section 75 of the Consumer Credit Act 1974. In summary, she says that the hair system is not as described (hairpiece is not properl... (2 pages)View decision