Vanquis Bank Limited

Financial Ombudsman decision DRN-1845505 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Miss E complains that Vanquis Bank Limited was irresponsible in offering her a loan of £2000.Irresponsible lending

She’d now like the details of this loan removed from her credit file and all interest added to the loan to be refunded.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1845505.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.