Vanquis Bank Limited

Financial Ombudsman decision DRN-3534602 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jul 08deadline 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 M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card and later increased the credit limit.Irresponsible lending

Vanquis should amend Miss M’s credit file to ensure no adverse information about its credit card is recordedCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3534602.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.