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 DRN3386254
20 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMs M complains that Vanquis Bank Limited gave her incorrect information about her account. Then it charged her fees that were illegal and put incorrect information on her credit file and when she tried to get an explanation from it, she was ignored.She wants it to re... (2 pages)View decision -
Decision Reference DRN0156926
19 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMr P complains that Vanquis Bank Limited: mis-sold him a Repayment Option Plan (ROP) continued to offer ROP after he told it to stop refused to increase his credit limit included interest on his annual statement that it had agreed to refund didn’t offer him a ... (2 pages)View decision -
Decision Reference DRN2560902
18 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMr C complains that Vanquis Bank Limited didn’t treat him fairly when it blocked his card.backgroundWhen Vanquis blocked Mr C’s credit card as part of a routine security check, he wasn’t at home and didn’t have access to the required proof. Mr C wanted Vanquis to remove... (2 pages)View decision -
Decision Reference DRN9725783
18 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited increased the credit limit on his credit card account without his consent. And he’s unhappy about the amount he’s being asked to repay before the account can be closed.backgroundMr N opened a credit card account with Vanquis i... (2 pages)View decision -
Decision Reference DRN1624570
14 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMiss M complains that Vanquis Bank Limited (“Vanquis”) mis-sold her a Repayment Option Plan (“ROP”) when she applied for a credit card in November 2011. Miss M would like the charges she paid for the ROP to be refunded. backgroundThe adjudicator did not consider the c... (2 pages)View decision -
Decision Reference DRN3583812
14 Jan 2016 Vanquis Bank Limited UpheldBanking and creditMiss C says that Vanquis Bank Limited has failed to update her credit file despite numerous requests.backgroundIn 2014, Miss C says that she contacted Vanquis and asked that it update her credit file. She provided the required evidence for it to do so.No action was... (2 pages)View decision -
Decision Reference DRN3418333
4 Jan 2016 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (ROP) when he took out his Vanquis credit card. And he’s unhappy that Vanquis doesn’t provide him with enough information to manage his account. Mr B is especially concerned when the account... (2 pages)View decision -
Decision Reference DRN2434952
30 Dec 2015 Vanquis Bank Limited UpheldBanking and creditMiss F complains that Vanquis Bank Limited made mistakes on her account, mis-sold a product to her and has not treated her financial difficulties fairly.backgroundMiss F sent an email to Vanquis in June 2014 saying that she had moved. She also said that she was not abl... (3 pages)View decision -
Decision Reference DRN3561467
22 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr S complains that he was mis-sold a Repayment Option Plan by Vanquis Bank Limited.backgroundIn August 2012 Mr S opened a credit card account with Vanquis. During a telephone call with a sales advisor, a Repayment Option Plan was added to his account. In October 20... (2 pages)View decision -
Decision Reference DRN9197759
18 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr F complains that Vanquis Bank Limited has charged him for a Repayment Option Plan (ROP) which he did not agree to take. He wants a refund of all the monthly payments for this plan. backgroundMr F applied for a credit card from Vanquis in 2009. To activate the c... (2 pages)View decision
