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 DRN0767660
21 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that Vanquis Bank Limited wrongly sold him a repayment option plan when he opened a credit card account. Mr Q is being helped with his complaint by a third party representative.our initial conclusionsThe adjudicator did not recommend that this complaint should be u... (2 pages)View decision -
Decision Reference DRN7353575
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMrs Q complains that a repayment option plan was mis-sold to her by Vanquis Bank Limited when she opened a credit card account.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld. He concluded that the card terms and conditions and the scrip... (2 pages)View decision -
Decision Reference DRN4186483
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMiss B complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (ROP) when she opened a credit card account with the bank. She says she did not know that the ROP was optional and she would like a refund of all payments made towards it. our initial conclusionsThe ... (2 pages)View decision -
Decision Reference DRN1034998
17 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited mis-sold him a repayment option plan and he was not given enough information about it, nor did he require it.our initial conclusionsThe adjudicator listened to the telephone conversation between Vanquis and Mr M, when he accepted the re... (2 pages)View decision -
Decision Reference DRN9487785
17 May 2013 Vanquis Bank Limited UpheldBanking and creditMr Z complains about charges incurred on his credit card account with Vanquis Bank Limited. He says he had expected a Repayment Option Plan (ROP) on his account to be cancelled after three months but because that did not happen he went over his limit, incurring further charges.o... (2 pages)View decision -
Decision Reference DRN2798996
16 May 2013 Vanquis Bank Limited Not upheldBanking and creditMr T complains that Vanquis increased his credit limit without telling him, and that it closed his account after he had paid his account balance, but it subsequently asked him to pay more. our initial conclusionsThe adjudicator concluded that Vanquis had not made an error and that it... (2 pages)View decision -
Decision Reference DRN1196486
14 May 2013 Vanquis Bank Limited UpheldBanking and creditMr B complains about the handling of his account by Vanquis when a payment he made was declined. our initial conclusionsThe adjudicator recommended the complaint should be upheld. From the available evidence, she was unable safely to conclude that it was reasonable for Vanquis... (2 pages)View decision -
Decision Reference DRN8856269
3 May 2013 Vanquis Bank Limited Not upheldBanking and creditMs Y complains that Vanquis mis-sold her a Repayment Option Plan (ROP).our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She concluded that there was sufficient evidence to demonstrate that no charges or fees for the Repayment Option... (2 pages)View decision -
Decision Reference DRN8139153
30 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMiss S complains that she was mis-sold a Repayment Option Plan on her credit card.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that when Miss S opened her account, Vanquis had explained the Repayment Option Plan to her... (2 pages)View decision -
Decision Reference DRN1773413
30 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMs B complains that she was mis-sold payment protection insurance (PPI). She says it was not suitable for her needs, and that the Vanquis Bank Limited representative did not ask her about any pre-existing medical condition which might have meant she could not benefit from the po... (2 pages)View decision