Vanquis Bank Limited

Financial Ombudsman decision DRN-4845330 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Mon Nov 18deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr M has complained that Vanquis Bank Limited is holding him liable for a debt which he says was taken out fraudulently in his name.Unauthorised transaction

permanently remove any record of this account from Mr M’s credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4845330.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.