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 DRN4826961
19 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that he was wrongly sold a Repayment Option Plan (ROP) on his account with Vanquis Bank Limited. He wants Vanquis to refund all charges from 2004 to 2010. Mr C is represented in this complaint by a relative, Mrs R.our initial conclusionsThe adjudicator did not recom... (2 pages)View decision -
Decision Reference DRN9883323
17 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains that a Repayment Option Plan (ROP) was added to his credit card account by Vanquis Bank Limited, without him agreeing to it. He wants a refund of all charges made for the plan.our initial conclusionsThe adjudicator did not recommend that this complaint should be uphe... (2 pages)View decision -
Decision Reference DRN3271623
16 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMr Z complains about a Repayment Option Plan he had on his credit card account. He says Vanquis Bank Limited added the plan to his account without telling him, then said he had to have it. He says Vanquis later cancelled the plan – again without telling him – so he couldn’t c... (2 pages)View decision -
Decision Reference DRN8834057
13 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMiss Q complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. Miss Q is represented by a claims management company.our initial conclusionsMiss Q said that she was mis-sold the ROP when she opened her Vanquis credit card account. The adjudicator did n... (2 pages)View decision -
Decision Reference DRN0549597
12 Sep 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. Ms A says that Vanquis presented the ROP as a compulsory product and did not explain it to her. She also complains about Vanquis’ response to her complaint... (2 pages)View decision -
Decision Reference DRN2283811
12 Sep 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she took out a credit card. Ms B says that Vanquis presented the ROP as a compulsory product and did not explain it to her.our initial conclusionsThe adjudicator did not recommend that ... (2 pages)View decision -
Decision Reference DRN2905583
12 Sep 2013 Vanquis Bank Limited Not 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. Mrs A says that Vanquis presented the ROP as a compulsory product and did not explain it to her.our initial conclusionsThe adjudicator did not recommend that... (2 pages)View decision -
Decision Reference DRN7128426
10 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMrs K complains about information that Vanquis Bank Limited has recorded on her credit file. She says it has linked addresses that have nothing to do with her to her details.our initial conclusionsOur adjudicator recommended that the complaint should be upheld. Vanquis did not repl... (2 pages)View decision -
Decision Reference DRN6597872
5 Sep 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 with it. Mr B says that Vanquis presented the ROP as a compulsory product and did not explain it to him.our initial conclusionsThe adjudicator did not recommen... (2 pages)View decision -
Decision Reference DRN3169403
5 Sep 2013 Vanquis Bank Limited UpheldBanking and creditMr R complained to Vanquis Bank Limited about a number of mistakes it made concerning his account. These included duplicate entries on his credit report, and inaccurate information about a default recorded on his credit file. When the bank failed to deal with the issues, he conta... (2 pages)View decision