Vanquis Bank Limited

Financial Ombudsman decision DRN-3034907 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Oct 19deadline 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, Interest and rates, Credit file reporting

In the Ombudsman’s words

refund any charges, fees or interest applied to the account from that dateCharges and fees

refund any charges, fees or interest applied to the account from that dateInterest and rates

order Vanquis Bank Limited to backdate the default date to February 2020 and update the Credit Reference AgenciesCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3034907.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.