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 DRN5280082
6 Nov 2013 Vanquis Bank Limited UpheldBanking and creditMr J complains that Vanquis Bank Limited took too long to update his credit files following settlement of his credit card account. He says this caused him distress and inconvenience in that it took him several months to have the information corrected and meant several applications... (2 pages)View decision -
Decision Reference DRN9671907
31 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited defaulted his credit card account, and that it failed to supply him with appropriate information to enable him to understand why this action was taken. He seeks the removal of this default from his credit file.backgroundMr H’s credit card ex... (2 pages)View decision -
Decision Reference DRN8901320
31 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited will not refund to him the money that he paid for some goods that he says were not delivered to him. His complaint is made against Vanquis Bank under section 75 of the Consumer Credit Act 1974.backgroundMr J ordered some goods which were to b... (2 pages)View decision -
Decision Reference DRN3939021
30 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains, via his wife, that Vanquis Bank Limited-Acted irresponsibly when it agreed to give him a credit card in 2008 because he had already experienced problems repaying his debts and had a bad credit rating.-Told him the credit card would not be granted unless he also too... (3 pages)View decision -
Decision Reference DRN5592953
28 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that Vanquis Bank Limited mis-sold a repayment option plan (ROP) when she took out a credit card. She says that, being self-employed, the plan was inappropriate for her.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He ... (2 pages)View decision -
Decision Reference DRN0472524
28 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMs A complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card in 2004. Ms A says that Vanquis did not explain the feature and she was not aware it was optional.our initial conclusionsThe adjudicator did not recommend that... (2 pages)View decision -
Decision Reference DRN3109047
24 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis Bank Limited should refund the payments she made for a Repayment Option Plan (ROP) on her credit card.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that Vanquis provided Mrs D with sufficient i... (2 pages)View decision -
Decision Reference DRN2370416
24 Oct 2013 Vanquis Bank Limited UpheldBanking and creditMr E complains that Vanquis Bank Limited charged him late payment and interest charges on his credit card when he had difficulty in clearing a debt. He thinks the bank should refund £40.31. He also complained about the way he was contacted about the debt, explaining he could not take te... (2 pages)View decision -
Decision Reference DRN0712398
22 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMiss G complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) when she applied for a credit card. She wants a refund of all the ROP payments she has made. our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. She con... (2 pages)View decision -
Decision Reference DRN9412831
15 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMiss T complains that she was pressurised into buying a Repayment Option Plan (ROP) by Vanquis Bank Limited. She says she was not informed about the product, nor that it could be cancelled. She wants all the payments and associated interest refunded. Miss T is represented by a t... (2 pages)View decision