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 DRN4034964
10 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr T complains he has been bombarded with telephone calls and emails by Vanquis Bank Limited despite asking Vanquis to remove his name from their marketing records. He is also unhappy that his account has not been closed and an overpayment returned to him.backgroundThe adjudicator did n... (2 pages)View decision -
Decision Reference DRN6806111
5 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMrs G complains that Vanquis Bank Limited has unfairly applied charges to her credit card account.backgroundMrs G made the minimum contractual payments on her Vanquis credit card by direct debit every month. But in April 2009 her account went over its credit limit of £1,000. This was not ... (2 pages)View decision -
Decision Reference DRN0696825
5 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited mis-sold him a repayment option plan. He wants the fees he paid for this product refunded.backgroundIn June 2012, Mr F agreed to a repayment option plan being added to his account. In October 2013, he says he tried to activate this plan becaus... (2 pages)View decision -
Decision Reference DRN1186448
4 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that Vanquis Bank Limited gave her the wrong information about her credit card balance and as a result she exceeded her credit limit.backgroundMiss D phoned Vanquis after her credit card had been declined by a retailer. She was informed by Vanquis that she was close to ... (2 pages)View decision -
Decision Reference DRN2129789
4 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMiss R complains that Vanquis Bank Limited made mistakes in closing her credit card and overcharged her.backgroundIn early 2013 Miss R decided to close her credit card with Vanquis and phoned the bank to find out what her balance was. She had not been using the card for a while and had... (2 pages)View decision -
Decision Reference DRN8076472
3 Jun 2014 Vanquis Bank Limited UpheldBanking and creditMr Z complains that Vanquis Bank Limited refused him a payment holiday under its repayment option plan (ROP) although he had complied with all the conditions to be eligible. He would like to be put in the same position as if the payment holiday had been activated when he asked ... (2 pages)View decision -
Decision Reference DRN4624089
3 Jun 2014 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited will not refund to him the money that he paid, using his credit card, to a company for services relating to his timeshare. His complaint is made against Vanquis Bank under section 75 of the Consumer Credit Act 1974.backgroundMr C agreed to pay a ... (2 pages)View decision -
Decision Reference DRN0785252
23 May 2014 Vanquis Bank Limited UpheldBanking and creditMr S complains that Vanquis Bank Limited continues to contact him by telephone when he asked it not to. backgroundMr S has a credit card with Vanquis. He has an outstanding balance on the card. Mr S is unhappy that he has received a large number of phone calls from Vanquis to discuss h... (2 pages)View decision -
Decision Reference DRN9768012
23 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited continued to take monthly payments by direct debit regardless of the standing order she later set up to pay her credit card balance. She also complains that the direct debits were continued even when the minimum monthly payment on the accoun... (2 pages)View decision -
Decision Reference DRN8750417
14 May 2014 Vanquis Bank Limited UpheldBanking and creditMiss F complains about the level of service provided by Vanquis Bank Limited in response to her questions about her credit card application. She seeks £100 compensation. our initial conclusionsThe adjudicator recommended that Vanquis pay Miss F £50 compensation for her distress a... (2 pages)View decision