Vanquis Bank Limited

Financial Ombudsman decision DRN-2262192 Not upheld

Not upheldoutcome, as published by the Ombudsman

£29redress stated in the decision

Thu Dec 17deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Miss W complained that Vanquis Bank Limited was charging her much more than she expected to pay, for her monthly minimum payment.Charges and fees

And she was worried this could affect her credit file if Vanquis decided to register this as a late or missed payment.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2262192.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.