Vanquis Bank Limited

Financial Ombudsman decision DRN-5341080 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Wed Apr 09deadline 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Miss I complains Vanquis Bank Limited have unfairly recorded missed payments on her credit fileCredit file reporting

Vanquis reviewed matters and agreed Miss I had been given incorrect information when she called in May 2024.Complaint handling

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5341080.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.