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 DRN3996486
25 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her credit card account.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She was satisfied that more likely than not Mrs F would have been asked ... (2 pages)View decision -
Decision Reference DRN7892368
20 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMs H complains that Vanquis Bank Limited pursued her for arrears on her credit card even though she had paid on time. She feared that the issue was affecting her credit record and resulting in her being contacted by ‘bad credit’ providers. She also complains about the delay in r... (2 pages)View decision -
Decision Reference DRN7631851
13 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMrs F complains that Vanquis Bank Limited switched off her Repayment Option Plan (ROP) a month early and then failed to cancel the product as she requested. She also feels that it did not treat her fairly when she was having financial difficulties.our initial conclusionsOur adjudi... (2 pages)View decision -
Decision Reference DRN7134723
12 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited (“Vanquis”) has wrongly charged him fees for its Repayment Option Plan (ROP). He says he was told the product was compulsory with a credit card application, which he has since learnt was not the case. He would like all fees and interest as... (2 pages)View decision -
Decision Reference DRN7018814
11 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) by saying it was compulsory with his credit card. He wants the bank to refund all charges related to the ROP.our initial conclusionsThe adjudicator recommended that the complaint should not be up... (2 pages)View decision -
Decision Reference DRN0438144
11 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited continued to charge her for a Repayment Option Plan (ROP) after she had activated it for the maximum period and she had asked it to cancel the ROP. our initial conclusionsThe adjudicator recommended that the complaint should be upheld... (2 pages)View decision -
Decision Reference DRN8676440
11 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited’s Repayment Option Plan (ROP) does not meet his monthly payments and, at the end of the two year activation period, he will still have the full outstanding balance to repay. He also objects to having to re-apply for the plan every three m... (2 pages)View decision -
Decision Reference DRN2317873
7 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that she has paid more than the amount owing on her Vanquis Bank Limited credit card. She is represented in her complaint by a third party.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. She was satisfied that Miss A had... (2 pages)View decision -
Decision Reference DRN7518488
29 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs V complains that Vanquis Bank Limited increased the interest rate on her credit card in 2009 and has said her credit score does not warrant a reduction, even though it had offered to increase her credit limit. She would like a refund of the extra interest.our initial con... (2 pages)View decision -
Decision Reference DRN0663963
29 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that Vanquis Bank Limited added a repayment option plan (ROP) to her account without her consent. She says she would not have agreed to it as it is unsuitable for her circumstances.our initial conclusionsThe adjudicator did not recommend that the complaint should be... (2 pages)View decision
