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 DRN9525683
18 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited did not set up a direct debit to pay his credit card and did not respond to his complaint in a timely manner.our initial conclusionsThe adjudicator considered the bank had made a reasonable offer to resolve the complaint. Vanquis acknowled... (2 pages)View decision -
Decision Reference DRN1666616
17 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMiss V complains about the way that Vanquis Bank Limited has dealt with her account. In particular she complains that it mis-sold her a repayment option plan, that it collected premiums for the plan when she was experiencing financial difficulties and that it phoned her excessive... (2 pages)View decision -
Decision Reference DRN9931355
17 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited has unfairly refused to refund interest and charges applied to his credit card account between December 2009 and March 2010. He contacted Vanquis in September 2012, but the bank did not refund any money.backgroundMr C came into serious financial ... (1 page)View decision -
Decision Reference DRN4366642
16 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that she was mis-sold a repayment option plan on her credit card account with Vanquis Bank Limited.our initial conclusionsThe plan had been set up on Mrs R’s account when she opened it in 2008, and the monthly payment for the plan had been shown in each statement s... (2 pages)View decision -
Decision Reference DRN0657693
13 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr F complains that Vanquis Bank Limited (Vanquis) has continued sending him statements about his credit card saying he has available credit even though he has asked for the account to be closed.our initial conclusionsOur adjudicator recommended that this complaint be upheld. Sh... (2 pages)View decision -
Decision Reference DRN2050735
13 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP), when he opened a credit card account with Vanquis, because it did not fully explain the terms and conditions to him. Mr Q would like Vanquis to refund all the ROP payments that he has paid.our init... (2 pages)View decision -
Decision Reference DRN5335547
12 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis Bank Limited wrongly added a Repayment Option Plan to her credit card account. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In summary, he considered that when Mrs D opened the account, Vanquis had expla... (2 pages)View decision -
Decision Reference DRN7098104
12 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that Vanquis Bank Limited failed to activate the benefits of his Repayment Option Plan (ROP) and refused to deal with his solicitor. Mr T is represented by his solicitor.our initial conclusionsThe adjudicator was satisfied that Mr T’s circumstances were not covere... (2 pages)View decision -
Decision Reference DRN9266812
11 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMiss N complains that Vanquis Bank Limited added a repayment option plan (ROP) to her account without her knowledge or consent. She is represented by M, a claims management company. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. H... (2 pages)View decision -
Decision Reference DRN3027101
11 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr H complains that Vanquis Bank Limited lost payments that he made to his account, causing him to accrue charges and be pursued in respect of payments he had already made.our initial conclusionsAn adjudicator investigated the complaint and concluded that Vanquis had not accou... (2 pages)View decision