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
-
Decision Reference DRN7295949
30 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP), and says it did not cancel the policy when he asked it to. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. As ROP is not Payment Protection Insuran... (2 pages)View decision -
Decision Reference DRN0068275
29 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited but he remembers agreeing to Payment Protection Insurance (PPI). He is also unhappy that Vanquis did not respond to his initial complaint.our initial conclusionsThe adjudicator did not rec... (2 pages)View decision -
Decision Reference DRN5967823
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMiss E complains that Vanquis Bank Limited did not use its repayment option plan (ROP) to suspend payments when she lost her job. She says it would not acknowledge her payment of £500 but harassed her to pay an outstanding balance. It should refund interest and charges, she says. our... (2 pages)View decision -
Decision Reference DRN4877716
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMr D complains about the customer service he has received from Vanquis Bank Limited and that it did not provide him with a settlement figure for his credit card but instead defaulted his account.our initial conclusionsOur adjudicator recommended that Mr D’s complaint should be u... (2 pages)View decision -
Decision Reference DRN2482736
27 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMr D complains that Vanquis Bank Limited applied interest and charges to his credit card account when he was in financial difficulties following an accident. Mr D asks that the charges and interest be refunded so he can repay the debt. backgroundMr D was unable to work following an accide... (2 pages)View decision -
Decision Reference DRN7459422
27 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMr F, represented by a claims management company, complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he opened a credit card account with Vanquis. Mr F would like Vanquis to refund all the ROP payments and interest that he has paid on them.our... (2 pages)View decision -
Decision Reference DRN5502418
20 Aug 2013 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited missold a Repayment Option Plan (ROP) to her and asks that the premiums are refunded with interest. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld, saying that Mrs C had been given enough inf... (2 pages)View decision -
Decision Reference DRN6961831
16 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs B complains about the way in which Vanquis Bank Limited handled her request for assistance with her financial difficulties.backgroundMs B had to give up work following a significant change in her personal circumstances. Because of this, she started to have difficulty in meeting her ... (3 pages)View decision -
Decision Reference DRN5335224
8 Aug 2013 Vanquis Bank Limited UpheldBanking and creditMs Q complains that Vanquis Bank Limited rang a telephone number she had instructed it to remove from its records. She says the bank discussed her credit card account with her father.our initial conclusionsThe adjudicator recommended that the complaint should be upheld. He conclude... (2 pages)View decision -
Decision Reference DRN0405318
30 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMiss T, represented by a claims management company, complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to her when she opened a credit card account with Vanquis. Miss T asks that Vanquis refunds all fees and interest that she has paid under the ROP.our... (2 pages)View decision