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
-
Decision Reference DRN2574773
26 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMrs K complains that she has been paying for a Repayment Option Plan (ROP) on her Vanquis credit card account which she never asked for. Furthermore, it has meant that even though she has made the stated minimum payments she has gradually exceeded her credit limit.our initial c... (2 pages)View decision -
Decision Reference DRN3674343
24 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis added a repayment option plan (ROP) to her account without her consent. backgroundMrs D applied for a credit card with Vanquis but it has not kept a recording of the phone call. The bank says that she agreed to take out the ROP but she says she did not do... (1 page)View decision -
Decision Reference DRN8279503
24 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis on his credit card account.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. Vanquis supplied us with a copy of its phone script and the adjudicator was satisf... (2 pages)View decision -
Decision Reference DRN6010568
23 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis mis-sold him a Repayment Option Plan (ROP). our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In his opinion Vanquis had been able to show that it had clearly described the ROP to Mr B. The adjudicator explaine... (2 pages)View decision -
Decision Reference DRN9940620
23 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMs G complains that Vanquis mis-sold her a Repayment Option Plan (ROP). She is represented by L which is a claims management companyour initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In his opinion the ROP was not mis-sold as Vanquis had ... (2 pages)View decision -
Decision Reference DRN3896990
23 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr R complains that he never agreed to the Repayment Option Plan (ROP) on his account and asks for all premiums, plus interest, to be refunded.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. He said that the terms and conditions given ... (2 pages)View decision -
Decision Reference DRN3549849
16 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that that she was not aware of the Repayment Option Plan (ROP) that was added to her Vanquis credit card when she took it out in.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He was satisfied that Vanquis provided Mr... (2 pages)View decision -
Decision Reference DRN0670744
15 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr Y complains that Vanquis has refused to change his address details and that it will not accept payment of his credit card balance until this is done. He says this is a stalling tactic to force him to pay further interest and charges on the account. He would like the charges to... (2 pages)View decision -
Decision Reference DRN1784759
12 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMiss B complains about the Repayment Option Plan (ROP) which Vanquis Bank Limited sold her in connection with her credit card. She believes the plan was mis-sold, as she did not agree to it and it was not suitable for her personal circumstances.our initial conclusionsOur adjudicator... (2 pages)View decision
Previous
126 of 126
