Firms › Vanquis Bank Limited ›
Vanquis Bank Limited
Financial Ombudsman decision DRN-5647154 Not upheld
Not upheldoutcome, as published by the Ombudsman
£1,294redress stated in the decision
Wed Sep 10deadline 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
In the Ombudsman’s words
He says that the car broke down again after he’d collected the car and the recovery service took him to a different garage which diagnosed the same fault and another garage estimated in December 2023 that the repair cost would be £1,950.64. Mr K contacted Vanquis Bank about the payment of £1,294.17 and it considered a claim under section 75 of the Consumer Credit Act but it said it didn’t find that there had been a misrepresentation and/or breach of contract by the repairing garage.Card dispute or chargeback
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5647154.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.