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 DRN3364944
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited did not credit £50 to his credit card account when instructed. This led to the account going into arrears and a default was registered. Vanquis has explained the payment was not processed as its system could not read the folded Giro Slip it... (2 pages)View decision -
Decision Reference DRN6353727
27 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMr E complains about the way Vanquis Bank Limited has administered his Repayment Option Plan (ROP).our initial conclusionsOur adjudicator did not consider that Vanquis Bank has adequately compensated Mr E for not letting him know that the ROP was being deactivated and failing to gi... (2 pages)View decision -
Decision Reference DRN9821139
27 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss D complains that because Vanquis Bank Limited did not explain the terms and conditions of the Repayment Option Plan (ROP) to her when she took it out, she believed her credit card repayments would be met when she was made redundant. our initial conclusionsThe adjudicator did n... (2 pages)View decision -
Decision Reference DRN3395216
26 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMs C took out a Vanquis credit card, which included an optional Repayment Option Plan (ROP). She complains that she was mis-sold the ROP, and seeks a full refund of the plan charges applied to her account. Vanquis Bank Limited says: that Ms C agreed to the ROP being added to ... (2 pages)View decision -
Decision Reference DRN7523962
25 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that she did not ask for a Repayment Option Plan (ROP) from Vanquis Bank Limited and because of her job it was not needed. She wants all of the payments refunded.our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. She conclu... (2 pages)View decision -
Decision Reference DRN3996486
25 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMrs F complains that Vanquis Bank Limited mis-sold her the Repayment Option Plan (ROP) on her credit card account.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She was satisfied that more likely than not Mrs F would have been asked ... (2 pages)View decision -
Decision Reference DRN7892368
20 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMs H complains that Vanquis Bank Limited pursued her for arrears on her credit card even though she had paid on time. She feared that the issue was affecting her credit record and resulting in her being contacted by ‘bad credit’ providers. She also complains about the delay in r... (2 pages)View decision -
Decision Reference DRN7631851
13 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMrs F complains that Vanquis Bank Limited switched off her Repayment Option Plan (ROP) a month early and then failed to cancel the product as she requested. She also feels that it did not treat her fairly when she was having financial difficulties.our initial conclusionsOur adjudi... (2 pages)View decision -
Decision Reference DRN7134723
12 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that Vanquis Bank Limited (“Vanquis”) has wrongly charged him fees for its Repayment Option Plan (ROP). He says he was told the product was compulsory with a credit card application, which he has since learnt was not the case. He would like all fees and interest as... (2 pages)View decision -
Decision Reference DRN7018814
11 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) by saying it was compulsory with his credit card. He wants the bank to refund all charges related to the ROP.our initial conclusionsThe adjudicator recommended that the complaint should not be up... (2 pages)View decision