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 DRN1991205
28 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMrs Y complains that Vanquis Bank Limited will not refund £390 which she paid, using her Vanquis credit card, for claims management services that were not provided.our initial conclusionsMrs Y paid for the services in May 2012. The service provider contacted her in June 2012 t... (2 pages)View decision -
Decision Reference DRN8910182
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited attached a Repayment Option Plan (ROP) to his credit card account without his agreement.our initial conclusionsThe adjudicator didn’t recommend that the complaint should be upheld. In her opinion the ROP was not mis-sold as Vanquis had bee... (2 pages)View decision -
Decision Reference DRN3781878
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs Z complains that a repayment option plan was applied to her account by Vanquis Bank Limited without her authority when she opened a credit card account.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She concluded that the repa... (2 pages)View decision -
Decision Reference DRN1021291
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr L complains Vanquis Bank Limited wrongly declined his credit card transaction for £5 worth of petrol. He says this caused him considerable distress and inconvenience, for which he would like compensation. backgroundMr L attempted to buy £5 of petrol at a service station using the ‘p... (2 pages)View decision -
Decision Reference DRN0738879
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss G complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (‘ROP’) with her credit card. She wants the payments to be refunded. our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. She concluded that the ROP is not an insura... (2 pages)View decision -
Decision Reference DRN3364944
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited did not credit £50 to his credit card account when instructed. This led to the account going into arrears and a default was registered. Vanquis has explained the payment was not processed as its system could not read the folded Giro Slip it... (2 pages)View decision -
Decision Reference DRN6353727
27 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMr E complains about the way Vanquis Bank Limited has administered his Repayment Option Plan (ROP).our initial conclusionsOur adjudicator did not consider that Vanquis Bank has adequately compensated Mr E for not letting him know that the ROP was being deactivated and failing to gi... (2 pages)View decision -
Decision Reference DRN9821139
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that because Vanquis Bank Limited did not explain the terms and conditions of the Repayment Option Plan (ROP) to her when she took it out, she believed her credit card repayments would be met when she was made redundant. our initial conclusionsThe adjudicator did n... (2 pages)View decision -
Decision Reference DRN3395216
26 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMs C took out a Vanquis credit card, which included an optional Repayment Option Plan (ROP). She complains that she was mis-sold the ROP, and seeks a full refund of the plan charges applied to her account. Vanquis Bank Limited says: that Ms C agreed to the ROP being added to ... (2 pages)View decision -
Decision Reference DRN7523962
25 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that she did not ask for a Repayment Option Plan (ROP) from Vanquis Bank Limited and because of her job it was not needed. She wants all of the payments refunded.our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. She conclu... (2 pages)View decision
