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 DRN9275018
28 Jan 2014 Vanquis Bank Limited UpheldBanking and creditMrs Q complains that Vanquis Bank Limited did not apply a payment to her account for almost three months and, although it backdated it, she incurred expenses in pursuing the complaint.our initial conclusionsOur adjudicator recommended that the complaint should be upheld. She found... (2 pages)View decision -
Decision Reference DRN8363119
24 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMs D is unhappy with a training course she bought for her husband. She brings her complaint against Vanquis Bank Limited under section 75 of the Consumer Credit Act 1974.Ms D is being represented in this complaint – for clarity, references to submissions by Ms D should be taken to... (2 pages)View decision -
Decision Reference DRN3289792
24 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMs C complains that the outstanding balance on a credit card account she holds with Vanquis Bank Limited is incorrectly calculated. backgroundPrimarily, Ms C says the balance is incorrect because she made a payment, from a current account with another bank, by agreement with someone she... (2 pages)View decision -
Decision Reference DRN3256582
24 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP).our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. He acknowledged that a call recording was unavailable, but was satisfied that the sales script gave ful... (2 pages)View decision -
Decision Reference DRN2738020
20 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited wrongly reversed a chargeback to his account after he bought a faulty mobile phone.our initial conclusionsMr G bought a mobile phone which he said was faulty and returned it to the seller. He asked Vanquis to chargeback the money which it d... (2 pages)View decision -
Decision Reference DRN3921139
9 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMiss J complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) with her credit card. She says she has no recollection of agreeing to take out the product, and would never have done so. She would like the fees she has paid for the ROP to be refunded. our... (2 pages)View decision -
Decision Reference DRN0666112
9 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMs D complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. Ms D is represented in her complaint by an advisor, K.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. She concluded, in summary, that ROP wa... (2 pages)View decision -
Decision Reference DRN7735411
7 Jan 2014 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited has made him liable for transactions abroad that he did not carry out or authorise. backgroundMr T has a credit card with Vanquis Bank.In June 2012 Mr T travelled abroad. He says he received a call whilst he was abroad asking him whether he had ... (2 pages)View decision -
Decision Reference DRN6435047
2 Jan 2014 Vanquis Bank Limited UpheldBanking and creditMiss K complains that Vanquis Bank Limited called too early for a direct debit payment after she switched her account to a new bank. As a result, it was returned unpaid and this caused her financial problems. backgroundWhen Miss K switched her bank account, Vanquis Bank cancelled the d... (2 pages)View decision -
Decision Reference DRN4127509
18 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMiss Y complains (through a claims management company) that a Repayment Option Plan (ROP) on her credit card was wrongly sold to her by Vanquis Bank Limited. She had thought it was compulsory.our initial conclusionsThe adjudicator did not recommend that the complaint was upheld. Sh... (2 pages)View decision