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 DRN1188514
31 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr W complains Vanquis Bank Limited added a Repayment Option Plan (ROP) to his credit card account without telling him.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He concluded it likely Vanquis told Mr W about the ROP plan but he’d forgott... (2 pages)View decision -
Decision Reference DRN3733391
25 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited failed to assist him in his financial difficulties by putting into operation a repayment option plan that he had taken out. The bank rejected reduced payment offers and referred the account to a debt collection agency.background Mr S had a credi... (2 pages)View decision -
Decision Reference DRN1632628
21 Mar 2014 Vanquis Bank Limited UpheldBanking and creditMr D complains that a car he purchased using his credit card was not of satisfactory quality. He brings his claim against Vanquis Bank Limited under section 75 of the Consumer Credit Act 1974.backgroundMr D purchased a car and paid using a combination of his Vanquis credit card, bank tr... (3 pages)View decision -
Decision Reference DRN7283982
21 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs L requested a freeze on her credit card account as the interest rate was due to increase. She thought this would mean no interest would be charged on her account. However, she was charged interest and feels she has been misled by Vanquis Bank Limited. Mrs L also complains about the ... (2 pages)View decision -
Decision Reference DRN8202672
19 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains about a Repayment Option Plan (ROP) on her credit card account with Vanquis Bank Limited. She says she did not ask for this and wants the charges to be refunded. our initial conclusionsOur adjudicator did not recommend that the complaint be upheld. She said, in su... (2 pages)View decision -
Decision Reference DRN0639662
19 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMiss F complains that she has been pursued by Vanquis Bank Limited for a debt which is not hers. She wants any adverse information to be removed and compensation for distress and inconvenience.background Miss F says that she was contacted by an agent of Vanquis who had been instructed to... (2 pages)View decision -
Decision Reference DRN6947868
18 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains about a Repayment Option Plan (ROP) on his account with Vanquis Bank Limited. He says it was ‘mis-sold’ to him as he believed he would not be charged if he paid off his purchases in full each month. our initial conclusionsOur adjudicator did not recommend that th... (2 pages)View decision -
Decision Reference DRN8851219
13 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card in 2007.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. Vanquis was unable to provide the actual call recording due to... (2 pages)View decision -
Decision Reference DRN6185572
7 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMs W complains about a Repayment Option Plan (ROP) she had on her credit card account with Vanquis Bank Limited. She says that she accepted the policy because she felt pressured. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. He s... (2 pages)View decision -
Decision Reference DRN9869481
5 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs T complains, through a complaints management company, that she did not agree to the Repayment Option Plan (‘ROP’) that Vanquis Bank Limited included in her credit card account. She wants to be reimbursed any money due to her.our initial conclusionsMrs T says that she was sold a... (2 pages)View decision