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 DRN6511460
10 Dec 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains that Vanquis Bank Limited applied interest to his credit card account when his repayment option plan (ROP) was activated.our initial conclusionsThe adjudicator recommended the complaint should be upheld. Vanquis activated the plan in April 2009 but charged interest... (2 pages)View decision -
Decision Reference DRN8946015
5 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr L complains that Vanquis Bank Limited applied the Repayment Option Plan (ROP) to his credit card account without his permission.our initial conclusionsVanquis said that when Mr L opened his credit card account in 2007 he agreed to take out the ROP. Mr L disagreed, and said... (2 pages)View decision -
Decision Reference DRN1807258
4 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2005. He also complains that he attempted to cancel the plan when he realised it had been applied but that Vanquis would not cancel it. our initial conclusio... (2 pages)View decision -
Decision Reference DRN0528746
29 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited wrongly reinstated a Repayment Option Plan on his account and unfairly applied charges and interest when he was in financial difficulties.backgroundMr J was having difficulties with his repayments and he contacted Vanquis to arrange a repayment pla... (2 pages)View decision -
Decision Reference DRN5591290
21 Nov 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited increased her credit limit without ensuring she could meet the potential increase in monthly repayments and mis-sold her Repayment Option Plan (ROP). She is also unhappy with the bank’s response when she told it she was having financial difficult... (2 pages)View decision -
Decision Reference DRN8898488
19 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMrs A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card. She is also unhappy that it did not provide her with a recording of the sales call despite several requests. our initial conclusionsThe adjudicator recom... (2 pages)View decision -
Decision Reference DRN1985335
19 Nov 2013 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2011. Mr N says that Vanquis did not explain the feature and he was told it was compulsory.our initial conclusionsThe adjudicator did not recommend that the... (2 pages)View decision -
Decision Reference DRN7857479
19 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited duplicated a payment to her bank account in error, which caused her to exceed the credit card limit.backgroundIn March 2013 Miss W asked for a cash advance from her Vanquis credit card to be credited to her current account. The payment was... (1 page)View decision -
Decision Reference DRN2298355
12 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that he was overcharged when he parked without authority on a piece of land and was subsequently wheel-clamped by the supplier. He complains in any event the supplier acted illegally and he only paid the money under duress.Mr J brings his complaint against Vanquis Bank Lim... (3 pages)View decision -
Decision Reference DRN9823398
7 Nov 2013 Vanquis Bank Limited UpheldBanking and creditsummary of complaintMrs T is dissatisfied with Vanquis Bank Limited’s (Vanquis) response to her complaint under section 75 of the Consumer Credit Act 1974. She is seeking a refund of unsatisfactory building works.backgroundMrs T contracted with a company, which I will refer to as C,... (2 pages)View decision