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 DRN0723330
18 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMiss S complains that Vanquis Bank Limited added an optional repayment option plan to her credit card account which she didn’t ask for.our initial conclusionsOur adjudicator didn’t uphold the complaint. He thought Vanquis hadn’t advised Miss S to take out the plan and it ... (2 pages)View decision -
Decision Reference DRN8034866
11 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (“ROP”).our initial conclusionsMr W took out a ROP when he opened a credit card account with Vanquis in 2010. He says he doesn’t remember being sold the ROP, or agreeing to have it added to h... (2 pages)View decision -
Decision Reference DRN8330936
10 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains about the charges Vanquis Bank Limited applied to his credit card account. He’d like to clear the outstanding debt and have any negative entries removed from his credit file. He’d also like compensation.our initial conclusionsOur adjudicator didn’t uphold ... (2 pages)View decision -
Decision Reference DRN9050564
7 Dec 2015 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited mis-sold him a repayment option plan (ROP) when he took out a credit card with them. He says that it wasn’t suitable for him and he wasn’t made aware of how much it would cost him. He wants Vanquis to refund what he has paid.our i... (2 pages)View decision -
Decision Reference DRN6944728
27 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited failed to help when she accidentally got herself locked out of her online account management facility.our initial conclusionsAn adjudicator investigated Miss W’s complaint. Whilst she could understand why Miss W had found it frus... (2 pages)View decision -
Decision Reference DRN6408961
17 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMr P complains that Vanquis Bank Limited hasn’t treated him fairly by refusing to remove a default that it registered against him while he was in prison.backgroundMr P has a Vanquis credit card. Mr P was remanded in custody from early April 2014. Mr P didn’t clear th... (2 pages)View decision -
Decision Reference DRN8296470
10 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMrs M through her husband Mr M, complains that two payments instead of one were applied in error to her Vanquis Bank Limited credit card.backgroundMrs M made a payment towards her credit card account at the end of May 2015. Mrs M made a further payment via bank tra... (2 pages)View decision -
Decision Reference DRN1164350
4 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMs C complains Vanquis Bank Limited (“Vanquis”) opened a credit card account in her name, even though she didn’t apply for it. She is now being pursued for a debt she says was incurred by someone else.backgroundVanquis opened a credit card account for Ms C in January... (2 pages)View decision -
Decision Reference DRN6632735
2 Nov 2015 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that Vanquis Bank Limited allowed her a credit card which was unaffordable for her.backgroundMrs A took out a credit card with Vanquis in 2012. At first the credit limit was £500. Mrs A kept up with the monthly payments. In April 2014 Vanquis increas... (3 pages)View decision -
Decision Reference DRN1296347
27 Oct 2015 Vanquis Bank Limited Not upheldBanking and creditMr H and Miss S say Vanquis Bank Limited mis-sold a Repayment Option Plan (ROP) to Miss S. They want Vanquis to refund the monthly cost, and the associated charges such as the over limit fee. They are also unhappy with Vanquis’ investigation into the sale.our initial conclusion... (2 pages)View decision
