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 DRN2798996
16 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis increased his credit limit without telling him, and that it closed his account after he had paid his account balance, but it subsequently asked him to pay more. our initial conclusionsThe adjudicator concluded that Vanquis had not made an error and that it... (2 pages)View decision -
Decision Reference DRN1196486
14 May 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains about the handling of his account by Vanquis when a payment he made was declined. our initial conclusionsThe adjudicator recommended the complaint should be upheld. From the available evidence, she was unable safely to conclude that it was reasonable for Vanquis... (2 pages)View decision -
Decision Reference DRN8856269
3 May 2013 Vanquis Bank Limited Not upheldBanking and creditMs Y complains that Vanquis mis-sold her a Repayment Option Plan (ROP).our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She concluded that there was sufficient evidence to demonstrate that no charges or fees for the Repayment Option... (2 pages)View decision -
Decision Reference DRN8139153
30 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMiss S complains that she was mis-sold a Repayment Option Plan on her credit card.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that when Miss S opened her account, Vanquis had explained the Repayment Option Plan to her... (2 pages)View decision -
Decision Reference DRN1773413
30 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that she was mis-sold payment protection insurance (PPI). She says it was not suitable for her needs, and that the Vanquis Bank Limited representative did not ask her about any pre-existing medical condition which might have meant she could not benefit from the po... (2 pages)View decision -
Decision Reference DRN3473027
29 Apr 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that the benefits due from his repayment option plan (ROP) after he made a claim were wrongly stopped several times. our initial conclusionsThe adjudicator recommended the complaint be upheld in part. He said that there was no evidence that Mr T had been given approp... (2 pages)View decision -
Decision Reference DRN2942618
29 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that a repayment option plan was mis-sold to him by Vanquis Bank when he 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 script that wa... (2 pages)View decision -
Decision Reference DRN4896972
29 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains that a repayment option plan was mis-sold to him by Vanquis Bank when he 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 script that w... (2 pages)View decision -
Decision Reference DRN2251924
26 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis mis-sold its Repayment Option Plan (ROP) on his credit card, saying he had to have it for 12 months before it could be removed. our initial conclusionsThe adjudicator did not recommend that the complaint was upheld, saying that the script read to cus... (2 pages)View decision -
Decision Reference DRN1520608
26 Apr 2013 Vanquis Bank Limited UpheldBanking and creditMrs H complains that Vanquis Bank Limited took an unreasonable amount of time to locate her payments made to her credit card account. She asks that Vanquis pay her compensation for the distress and inconvenience it caused her.our initial conclusionsThe adjudicator recommended that th... (2 pages)View decision
