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 DRN0216914
28 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMrs J complains that she was unable to benefit from the Repayment Option Plan on her credit card with Vanquis Bank Limited, and that a payment holiday she requested was refused. background Mrs J agreed to take out a Repayment Option Plan for her credit card in October 2010. The bank pr... (2 pages)View decision -
Decision Reference DRN0364219
27 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMr K complains that Vanquis Bank Limited did not freeze the interest and charges on his credit card account for several months after he told it that he was in financial difficulty and that a debt management company was taking over payments. backgroundMr K told Vanquis that he was in fi... (2 pages)View decision -
Decision Reference DRN9956253
26 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMrs L complains that when Vanquis Bank Limited closed a credit card, it did not return two payments of £50 which she had made. She is represented by her husband Mr L.backgroundMrs L received phone calls from Vanquis asking for payments to a credit card in her name which had been ... (2 pages)View decision -
Decision Reference DRN8880500
18 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited is asking him to repay a debt that he believes has been cleared through a debt management plan. Mr B wants the bank to acknowledge that the debt has been cleared.our initial conclusionsThe adjudicator did not recommend that this complaint s... (2 pages)View decision -
Decision Reference DRN2746934
14 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited blocked her credit card while she was on holiday. She says that she could not provide the information required to unblock the card, and so the card stayed blocked. She subsequently complained to Vanquis, and feels that the bank did not deal with... (2 pages)View decision -
Decision Reference DRN5284119
6 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMrs D complains about a Repayment Option Plan (ROP) she had on her credit card account. She says that Vanquis Bank Limited did not discuss the product with her, and that although the premium appeared on her statement, she did not know it was optional. A claims management compa... (2 pages)View decision -
Decision Reference DRN4695685
4 Feb 2014 Vanquis Bank Limited UpheldBanking and creditMiss C, who is represented by her mother, Mrs D, complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) when she opened her credit card account; did not tell her the interest rate that applied; unfairly applied charges to her account; irresponsibly inc... (3 pages)View decision -
Decision Reference DRN9701259
4 Feb 2014 Vanquis Bank Limited Not upheldBanking and creditMiss K complains that Vanquis Bank Limited disclosed her personal information to a friend. This resulted in significant distress and inconvenience to her.backgroundMiss K was overdrawn beyond her overdraft limit. Vanquis tried unsuccessfully to contact her using the number she’d registe... (2 pages)View decision -
Decision Reference DRN6246099
31 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited:-Mis-sold him a repayment option plan in connection with his credit card.-Didn’t activate the repayment option plan after he suffered a disability.-Didn’t give him online access to his account.-Unfairly applied interest and charges to the cred... (4 pages)View decision -
Decision Reference DRN1473000
30 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited did not activate the repayment option plan on his credit card when he notified it of his unemployment. He also complains about the customer service that he has received from Vanquis.backgroundMr N applied for a Vanquis credit card in September 200... (2 pages)View decision