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 DRN5855260
13 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMrs P complains Vanquis Bank Limited sold her a Repayment Option Plan (ROP) which she didn’t want.our initial conclusionsMrs P said the ROP was not properly described at the time of the sale. The charges weren’t always listed on her statements so she didn’t know what it was. The... (2 pages)View decision -
Decision Reference DRN0353980
9 Jul 2015 Vanquis Bank Limited UpheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr B either to accept or reject my decision before 10 August 2015. Susan Webb ombudsman at the Financial Ombudsman ServicecomplaintMr B complains that Vanquis Bank Limited unfairly defaulted his account whi... (2 pages)View decision -
Decision Reference DRN7136680
8 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr G had a credit card with Vanquis Bank Limited (Vanquis). He complains that Vanquis could have informed him of a Repayment Option Plan earlier than it did and that this could have been helpful to him due to his circumstances. He also says that he agreed to pay Va... (2 pages)View decision -
Decision Reference DRN6552577
8 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited mis-sold him a Repayment Option Plan (‘ROP’). He’d like it to refund all premiums he paid for the plan, plus interest.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She said, in summary, that ... (2 pages)View decision -
Decision Reference DRN8840536
3 Jul 2015 Vanquis Bank Limited Not upheldBanking and creditMr I received a number of credit cards from Vanquis Bank Limited. He is unhappy about a number of incidents involving those cards.backgroundVanquis called Mr I about fraudulent transactions on a card which was reported as lost, a card was declined when he tried to use ... (2 pages)View decision -
Decision Reference DRN7804434
30 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited rejected his claim under S75 Consumer Credit Act 1974 regarding an online visa service.backgroundMr E registered with a retailer providing an online visa service on 3 May 2014. Two days later, during a phone conversation with ... (2 pages)View decision -
Decision Reference DRN0713532
30 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr B complains that Vanquis Bank Limited took a payment from his account without his authority.our initial conclusionsMr B made three payments to Vanquis as agreed under a repayment plan. But although he arranged to stop the payment, Vanquis took another instalment. It was three da... (2 pages)View decision -
Decision Reference DRN1137635
25 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited has started adding a new charge to his credit card each month with no warning or explanation.our initial conclusionsOur adjudicator didn’t recommend that the complaint should be upheld. She explained that the charges weren’t new. Vanquis ... (2 pages)View decision -
Decision Reference DRN9862922
19 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited has charged him for a Repayment Option Plan (‘ROP’) which he doesn’t remember agreeing to.our initial conclusionsMr A took out a credit card with Vanquis in July 2008. The ROP was added to his account ten days later. Payments for the R... (2 pages)View decision -
Decision Reference DRN0964109
11 Jun 2015 Vanquis Bank Limited Not upheldBanking and creditMr E complains that Vanquis Bank Limited (“the bank”) was incorrect to place a block on his credit card account when he took a payment from a customer that it deemed suspicious. backgroundIn October 2014 a payment was made into Mr E’s account via his mobile phon... (2 pages)View decision
