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 DRN5187342
26 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs T complains that Vanquis Bank Limited (“Vanquis”) did not respond when she wrote to it about her credit card debt. She says the bank continued to levy charges. She complains about irresponsible lending. backgroundMs T wrote a letter to Vanquis in autumn 2012 saying that she was in fin... (2 pages)View decision -
Decision Reference DRN6697021
23 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her credit card account and continued to pursue her for the debt after she informed it she had been made bankrupt. Mrs A is represented by a claims management company.our initial conclusio... (2 pages)View decision -
Decision Reference DRN2474011
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) on his credit card account. He says that his pre-existing medical condition and employment status means the ROP was always unsuitable for him. Mr C is assisted with his complaint by D Ltd.our ini... (2 pages)View decision -
Decision Reference DRN4566058
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs C complains that Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP). She is represented by “D.”our initial conclusionsThe adjudicator was satisfied that the benefits and costs of the ROP were detailed in the terms and conditions which Ms C agreed to when she opened the... (2 pages)View decision -
Decision Reference DRN9448443
16 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs H complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) on her credit card account.our initial conclusionsThe adjudicator was satisfied that the ROP was not miss-sold. In his opinion, Vanquis had given Ms H sufficient information about the ROP. The adju... (2 pages)View decision -
Decision Reference DRN1001497
12 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs T complains about a letter from a collection agency and how queries about it were handled.our initial conclusionsOur adjudicator did not recommend that this complaint be upheld. She did not consider that the collection agency’s letter was misleading and could not say that Vanq... (2 pages)View decision -
Decision Reference DRN2812025
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr R complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited as he was self-employed and could never claim on it.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She concluded that the plan was a Repaymen... (2 pages)View decision -
Decision Reference DRN1235817
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that the repayment option plan with her Vanquis Bank Limited credit card was mis-sold. She is represented in her complaint by a third party.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He considered the information pr... (2 pages)View decision -
Decision Reference DRN1764505
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that he was mis-sold the Repayment Option Plan (ROP). He says he felt pressured by Vanquis Bank Limited into taking it and that, when he tried to cancel it, the bank persuaded him not to. He would like a full refund of the plan premiums and interest.our initial conc... (2 pages)View decision -
Decision Reference DRN2012788
11 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr W complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. He says that he did not agree to it because it was not suitable for his circumstances.our initial conclusionsOur adjudicator did not recommend that this complaint should be upheld. He con... (2 pages)View decision