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
-
Decision Reference DRN9687737
17 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr G complains about late payment charges imposed by Vanquis Bank Limited. He wants the charges to be refunded, and also £200 to cover his expenses.backgroundMr G had a credit card account with Vanquis. He was paying it by direct debit from an account he had with a... (2 pages)View decision -
Decision Reference DRN4952947
17 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr H complains that he was mis-sold a Repayment Option Plan (ROP) by Vanquis Bank Limited in February 2011. He also wants the bank to explain why it has charged additional finance charges and if necessary, refund them.backgroundMr H took out the ROP in February 2011 d... (2 pages)View decision -
Decision Reference DRN6433958
15 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMr J complains that Vanquis Bank Limited (“Vanquis”) mis-sold a Repayment Option Plan (‘ROP’) to him.backgroundMr J bought an ROP when he took a credit card with Vanquis in 2008. At least part of the application process took place by phone. Mr J said he wasn’t told... (2 pages)View decision -
Decision Reference DRN1024552
4 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMiss W complains that Vanquis Bank Limited mis-sold her a Repayment Option Plan (‘ROP’). She’d like Vanquis to refund the money she paid for the plan.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She said, in summary, that Vanquis ... (2 pages)View decision -
Decision Reference DRN8162242
3 Sep 2015 Vanquis Bank Limited Not upheldBanking and creditMrs A complains that she’s paid Vanquis Bank Limited for a credit card related product she did not know about.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She said that Vanquis did not offer Payment Protection Insurance. Mrs A’s acc... (2 pages)View decision -
Decision Reference DRN7042407
1 Sep 2015 Vanquis Bank Limited UpheldBanking and creditMiss C complains that Vanquis Bank Limited is holding her responsible for a cash machine withdrawal from her credit card account that she didn’t make herself or authorise someone else to make. backgroundOn 4 January 2015 £300 was withdrawn from a cash machine using ... (2 pages)View decision -
Decision Reference DRN8537705
28 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditMr C complains Vanquis Bank Limited sold him a Repayment Option Plan (ROP) with his credit card which he didn’t want.our initial conclusionsMr C believes the ROP is a Payment Protection Insurance (PPI) policy. He only noticed the charges recently and asked for a refund. The adj... (2 pages)View decision -
Decision Reference DRN0085070
25 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr P complains he was mis-sold a Repayment Option Plan (ROP) and Identity Theft Alert product (ITA) by Vanquis Bank Limited.backgroundMr P applied for a Vanquis credit card in 2011 and was phoned by Vanquis shortly after he’d made the application. During that call, Mr P... (2 pages)View decision -
Decision Reference DRN1520036
20 Aug 2015 Vanquis Bank Limited UpheldBanking and creditMr T complains Vanquis Bank Limited has not replied to his letters and so owes him £10,000.backgroundMr T wrote to Vanquis about a debt it said he owed. He says Vanquis didn’t respond and that it owes him £10,000 as a result. He complained to us.Our adjudicator recom... (1 page)View decision -
Decision Reference DRN3696329
14 Aug 2015 Vanquis Bank Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I’m required to ask Mr B either to accept or reject my decision before 14 September 2015. Rebecca Ellis ombudsman at the Financial Ombudsman ServicecomplaintMr B is unhappy about how Vanquis Bank Limited has dealt with his credit ... (2 pages)View decision
