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 DRN0438144
11 Jun 2013 Vanquis Bank Limited UpheldBanking and creditMiss W complains that Vanquis Bank Limited continued to charge her for a Repayment Option Plan (ROP) after she had activated it for the maximum period and she had asked it to cancel the ROP. our initial conclusionsThe adjudicator recommended that the complaint should be upheld... (2 pages)View decision -
Decision Reference DRN8676440
11 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited’s Repayment Option Plan (ROP) does not meet his monthly payments and, at the end of the two year activation period, he will still have the full outstanding balance to repay. He also objects to having to re-apply for the plan every three m... (2 pages)View decision -
Decision Reference DRN2317873
7 Jun 2013 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that she has paid more than the amount owing on her Vanquis Bank Limited credit card. She is represented in her complaint by a third party.our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. She was satisfied that Miss A had... (2 pages)View decision -
Decision Reference DRN7518488
29 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs V complains that Vanquis Bank Limited increased the interest rate on her credit card in 2009 and has said her credit score does not warrant a reduction, even though it had offered to increase her credit limit. She would like a refund of the extra interest.our initial con... (2 pages)View decision -
Decision Reference DRN0663963
29 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss A complains that Vanquis Bank Limited added a repayment option plan (ROP) to her account without her consent. She says she would not have agreed to it as it is unsuitable for her circumstances.our initial conclusionsThe adjudicator did not recommend that the complaint should be... (2 pages)View decision -
Decision Reference DRN4338900
24 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs B complains that Vanquis Bank Limited sold her payment protection insurance that was unsuitable for her circumstances. She wants the premiums refunded.our initial conclusionsThe adjudicator recommended that the complaint should not be upheld. He concluded that Mrs B had bought a ... (2 pages)View decision -
Decision Reference DRN7927139
24 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited. He says Vanquis told him he could claim against the plan despite being self-employed. He also says he was told that taking out the ROP would make his application for the credit card more likely t... (2 pages)View decision -
Decision Reference DRN7587091
23 May 2013 Vanquis Bank Limited UpheldBanking and creditMiss F complains that Vanquis Bank Limitedmis-sold her the Repayment Option Plan (ROP) on her credit card account and that it continued to charge her for the ROP after her account was settled. our initial conclusionsThe adjudicator recommended that the complaint should be partia... (2 pages)View decision -
Decision Reference DRN3268583
22 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited attached a Repayment Option Plan (ROP) to her credit card account without her agreement. She says she would not have agreed to take out the plan because it was not suitable for her circumstances.our initial conclusionsThe adjudicator ... (2 pages)View decision -
Decision Reference DRN4004993
21 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs R complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) with her credit card as it did not explain the plan’s terms and conditions, exclusions or cost. our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. She sa... (2 pages)View decision