Vanquis Bank Limited

Financial Ombudsman decision DRN-3019602 Upheld

Upheldoutcome, as published by the Ombudsman

£1,000redress stated in the decision

Fri Sep 24deadline 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

She also says that Vanquis has applied too much interest to her account.Charges and fees

Mrs K complains that Vanquis Bank Limited incorrectly defaulted her credit card account and reported this to the credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3019602.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.