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 DRN4338900
24 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited sold her payment protection insurance that was unsuitable for her circumstances. She wants the premiums refunded.our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. He concluded that Mrs B had bought a ... (2 pages)View decision -
Decision Reference DRN7927139
24 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. He says Vanquis told him he could claim against the plan despite being self-employed. He also says he was told that taking out the ROP would make his application for the credit card more likely t... (2 pages)View decision -
Decision Reference DRN7587091
23 May 2013 Vanquis Bank Limited UpheldBanking and creditMiss F complains that Vanquis Bank Limitedmis-sold her the Repayment Option Plan (ROP) on her credit card account and that it continued to charge her for the ROP after her account was settled. our initial conclusionsThe adjudicator recommended that the complaint should be partia... (2 pages)View decision -
Decision Reference DRN3268583
22 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited attached a Repayment Option Plan (ROP) to her credit card account without her agreement. She says she would not have agreed to take out the plan because it was not suitable for her circumstances.our initial conclusionsThe adjudicator ... (2 pages)View decision -
Decision Reference DRN4004993
21 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) with her credit card as it did not explain the plan’s terms and conditions, exclusions or cost. our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She sa... (2 pages)View decision -
Decision Reference DRN0767660
21 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that Vanquis Bank Limited wrongly sold him a repayment option plan when he opened a credit card account. Mr Q is being helped with his complaint by a third party representative.our initial conclusionsThe adjudicator did not recommend that this complaint should be u... (2 pages)View decision -
Decision Reference DRN7353575
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs Q complains that a repayment option plan was mis-sold to her by Vanquis Bank Limited when she opened a credit card account.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. He concluded that the card terms and conditions and the scrip... (2 pages)View decision -
Decision Reference DRN4186483
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss B complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) when she opened a credit card account with the bank. She says she did not know that the ROP was optional and she would like a refund of all payments made towards it. our initial conclusionsThe ... (2 pages)View decision -
Decision Reference DRN1034998
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited mis-sold him a repayment option plan and he was not given enough information about it, nor did he require it.our initial conclusionsThe adjudicator listened to the telephone conversation between Vanquis and Mr M, when he accepted the re... (2 pages)View decision -
Decision Reference DRN9487785
17 May 2013 Vanquis Bank Limited UpheldBanking and creditMr Z complains about charges incurred on his credit card account with Vanquis Bank Limited. He says he had expected a Repayment Option Plan (ROP) on his account to be cancelled after three months but because that did not happen he went over his limit, incurring further charges.o... (2 pages)View decision
