Vanquis Bank Limited

Financial Ombudsman decision DRN-5627670 Not upheld

Not upheldoutcome, as published by the Ombudsman

£20redress stated in the decision

Fri Jul 25deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

I’m satisfied that despite those intentions, Miss B did not have the ability to pay, and therefore, a default was the right course of action for Vanquis to take in the circumstances.Treatment in financial difficulty

Miss B complains that Vanquis Bank Limited unfairly reported a default against herCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5627670.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.