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 DRN6949280
11 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMrs R complains about Vanquis Bank Limited’s behaviour relating to chasing overdue amounts on her credit card account - in particular, calling her at work after she asked it not to do so.backgroundMrs R was in arrears on her credit card account and Vanquis Bank contacted her repeatedly... (2 pages)View decision -
Decision Reference DRN8184044
5 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that Vanquis Bank Limited wrongly added a Repayment Option Plan (“ROP”) to his card account.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He concluded that, Vanquis would have explained the ROP to him in a phone call f... (2 pages)View decision -
Decision Reference DRN3134898
5 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that he was sold a Repayment Option Plan (ROP) he did not want. It was added to his credit card account and he wanted Vanquis Bank Limited to refund the payments. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. The bank... (2 pages)View decision -
Decision Reference DRN8438897
5 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited did not cancel his Repayment Option Plan (ROP) when he asked it to. Mr D asks that charges are refunded and his credit file restored. our initial conclusionsThe adjudicator did not recommend the complaint should be upheld, saying there was ... (2 pages)View decision -
Decision Reference DRN6786224
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMs L complains that Vanquis Bank Limited led her to believe that she could not have a credit card unless she took out a repayment option plan and gave her misleading examples about how the plan could apply to her. Ms L asks that her premiums are refunded with interest.our initial con... (2 pages)View decision -
Decision Reference DRN1991205
28 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMrs Y complains that Vanquis Bank Limited will not refund £390 which she paid, using her Vanquis credit card, for claims management services that were not provided.our initial conclusionsMrs Y paid for the services in May 2012. The service provider contacted her in June 2012 t... (2 pages)View decision -
Decision Reference DRN8910182
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr D complains that Vanquis Bank Limited attached a Repayment Option Plan (ROP) to his credit card account without his agreement.our initial conclusionsThe adjudicator didn’t recommend that the complaint should be upheld. In her opinion the ROP was not mis-sold as Vanquis had bee... (2 pages)View decision -
Decision Reference DRN3781878
28 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs Z complains that a repayment option plan was applied to her account by Vanquis Bank Limited without her authority when she opened a credit card account.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She concluded that the repa... (2 pages)View decision -
Decision Reference DRN1021291
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr L complains Vanquis Bank Limited wrongly declined his credit card transaction for £5 worth of petrol. He says this caused him considerable distress and inconvenience, for which he would like compensation. backgroundMr L attempted to buy £5 of petrol at a service station using the ‘p... (2 pages)View decision -
Decision Reference DRN0738879
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss G complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (‘ROP’) with her credit card. She wants the payments to be refunded. our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. She concluded that the ROP is not an insura... (2 pages)View decision