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 1259 results
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Decision Reference DRN2891910
19 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMrs E complains that she was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited in October 2012. our initial conclusionsOur adjudicator didn’t recommend that Mrs E’s complaint should be upheld. She didn’t agree the ROP was added without Mrs E’s agreement. She th... (2 pages)View decision -
Decision Reference DRN2169340
17 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited blocked the use of his credit card whilst he was on holiday.backgroundIn August 2015, Mr F made two balance transfers from a credit card to his Vanquis Bank credit card. The first was to clear the balance on his Vanquis car... (2 pages)View decision -
Decision Reference DRN7670804
5 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMrs C complains that Vanquis Bank Limited was irresponsible to increase her credit card limit.our initial conclusionsOur adjudicator did not recommend the complaint should be upheld. He did not find it unreasonable that Vanquis had increased Mrs C’s credit limit. He was s... (2 pages)View decision -
Decision Reference DRN6519775
5 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMr D complained because Vanquis Bank Limited wouldn’t refund him £462 for trainers which he said he hadn’t ordered on his credit card.background Mr D rang Vanquis in June to say that a member of his family had phoned to say that five pairs of trainers had arrived at ... (3 pages)View decision -
Decision Reference DRN6900456
4 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMrs L complains that Vanquis Bank Limited mis-sold a repayment option plan to her. backgroundMrs L took a credit card with Vanquis. She says that, at the time she applied for this, the Vanquis agent added the repayment option plan to her account without finding out... (2 pages)View decision -
Decision Reference DRN6013870
2 Feb 2016 Vanquis Bank Limited UpheldBanking and creditMrs B complains about the sale of an identity protection monitoring service by Vanquis Bank Limited.Mrs B is represented in her complaint by a person I’ll call “Mr A”. However, to keep things simple I’ve written my decision as if any information that came from Mr A ca... (3 pages)View decision -
Decision Reference DRN1303975
2 Feb 2016 Vanquis Bank Limited Not upheldBanking and creditMiss L complains that Vanquis Bank Limited mis-sold her a repayment option plan (ROP) that wasn’t suitable for her circumstances. backgroundThe background to this complaint and my provisional conclusions were set out in my provisional decision dated 29 December 2015, a ... (3 pages)View decision -
Decision Reference DRN5064093
28 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMrs B complains that she was mis-sold a Repayment Option Plan by Vanquis Bank Limited.backgroundIn October 2010, Mrs B opened a credit card with Vanquis Bank and took out a Repayment Option Plan at the same time.Mrs B complained about the Repayment Option Plan in Septem... (2 pages)View decision -
Decision Reference DRN9656785
22 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited charged him interest after he notified it that he was in financial difficulties. backgroundIn early 2014 Mr A lost his job. He took advice from a debt charity and contacted Vanquis in February 2014. It agreed to set up a temp... (2 pages)View decision -
Decision Reference DRN0054934
21 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr E complains he didn’t know Vanquis Bank Limited added a Repayment Option Plan (ROP) to his credit card account when he opened it five years ago.our initial conclusionsMr E said he only realised he was paying Vanquis for the ROP when he contacted it to ask about the ... (2 pages)View decision
