Vanquis Bank Limited

Financial Ombudsman decision DRN-3329155 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 28deadline 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

refund all interest and fees (including the Repayment Option Fees) applied to Ms F’s account after July 2020Charges and fees

Backdate the default filed with credit reference agencies about Ms F’s account to 28 July 2018Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3329155.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.