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 DRN3473027
29 Apr 2013 Vanquis Bank Limited UpheldBanking and creditMr T complains that the benefits due from his repayment option plan (ROP) after he made a claim were wrongly stopped several times. our initial conclusionsThe adjudicator recommended the complaint be upheld in part. He said that there was no evidence that Mr T had been given approp... (2 pages)View decision -
Decision Reference DRN2942618
29 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr Q complains that a repayment option plan was mis-sold to him by Vanquis Bank when he 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 script that wa... (2 pages)View decision -
Decision Reference DRN4896972
29 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr K complains that a repayment option plan was mis-sold to him by Vanquis Bank when he 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 script that w... (2 pages)View decision -
Decision Reference DRN2251924
26 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis mis-sold its Repayment Option Plan (ROP) on his credit card, saying he had to have it for 12 months before it could be removed. our initial conclusionsThe adjudicator did not recommend that the complaint was upheld, saying that the script read to cus... (2 pages)View decision -
Decision Reference DRN1520608
26 Apr 2013 Vanquis Bank Limited UpheldBanking and creditMrs H complains that Vanquis Bank Limited took an unreasonable amount of time to locate her payments made to her credit card account. She asks that Vanquis pay her compensation for the distress and inconvenience it caused her.our initial conclusionsThe adjudicator recommended that th... (2 pages)View decision -
Decision Reference DRN2574773
26 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMrs K complains that she has been paying for a Repayment Option Plan (ROP) on her Vanquis credit card account which she never asked for. Furthermore, it has meant that even though she has made the stated minimum payments she has gradually exceeded her credit limit.our initial c... (2 pages)View decision -
Decision Reference DRN3674343
24 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMrs D complains that Vanquis added a repayment option plan (ROP) to her account without her consent. backgroundMrs D applied for a credit card with Vanquis but it has not kept a recording of the phone call. The bank says that she agreed to take out the ROP but she says she did not do... (1 page)View decision -
Decision Reference DRN8279503
24 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr H complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis on his credit card account.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. Vanquis supplied us with a copy of its phone script and the adjudicator was satisf... (2 pages)View decision -
Decision Reference DRN6010568
23 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis mis-sold him a Repayment Option Plan (ROP). our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In his opinion Vanquis had been able to show that it had clearly described the ROP to Mr B. The adjudicator explaine... (2 pages)View decision -
Decision Reference DRN9940620
23 Apr 2013 Vanquis Bank Limited Not upheldBanking and creditMs G complains that Vanquis mis-sold her a Repayment Option Plan (ROP). She is represented by L which is a claims management companyour initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In his opinion the ROP was not mis-sold as Vanquis had ... (2 pages)View decision