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 DRN4854268
11 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card. Mr S says that he didn’t agree to the plan and that it was not suitable for his specific circumstances.our initial conclusionsThe adjudicator did not recommen... (2 pages)View decision -
Decision Reference DRN8648311
11 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to him when he took out a credit card in 2009. Mr B says Vanquis did not explain the plan to him and it was unsuitable for him due to his medical condition. our initial conclusionsThe adjudicator ... (2 pages)View decision -
Decision Reference DRN5318766
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditA claims management company, representing Mrs J, complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP). our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He was satisfied that Vanquis made clear to Mrs J that the ROP... (2 pages)View decision -
Decision Reference DRN4730974
4 Oct 2013 Vanquis Bank Limited UpheldBanking and creditMr S complains about the manner in which Vanquis Bank Limited dealt with him after he realised he was a victim of identity theft. Mr S says the poor handling of the matter by Vanquis led to him suffering distress and inconvenience. backgroundA credit card was issued to an unknown th... (3 pages)View decision -
Decision Reference DRN2694219
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis Bank Limited won’t reimburse a credit card payment he made when his car was clamped and impounded. He claims the bank’s jointly liable under section 75 of the Consumer Credit Act, and that payment was taken under duress. Mr T wants Vanquis to rework his a... (2 pages)View decision -
Decision Reference DRN2369412
4 Oct 2013 Vanquis Bank Limited Not upheldBanking and creditMrs T complains that Vanquis Bank Limited has sought to recover payment from her for spending on a credit card which she says she has no knowledge of and was likely to have been taken out in her name by her former husband.backgroundThe account was opened in February 2006 in Mrs T’... (2 pages)View decision -
Decision Reference DRN0118511
30 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditsummary of complaintMr W complains that Vanquis Bank Limited would not let him activate his Repayment Option Plan (ROP). He complains that he has been harassed and given inconsistent information.backgroundMr W has a credit card with Vanquis.In August 2011 Mr W asked Vanquis to activate ... (3 pages)View decision -
Decision Reference DRN5648303
27 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMrs W complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited as it was not properly explained to her.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that the policy was a Repayment Option Pla... (2 pages)View decision -
Decision Reference DRN8993607
25 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMiss J complains about the way Vanquis Bank Limited treated her after she advised it she was experiencing financial difficulties. our initial conclusionsOur adjudicator recommended the complaint should be upheld. He was satisfied that Vanquis did not treat Miss J positively and symp... (2 pages)View decision -
Decision Reference DRN0101610
19 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains that he is still receiving statements for an account he settled in July 2012 and that Vanquis Bank Ltd delayed updating his credit file to reflect that the account was settled. He wants the bank to properly close the account, remove his details from its records a... (2 pages)View decision