Vanquis Bank Limited

Financial Ombudsman decision DRN-6004302 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Feb 04deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Mr J complains that Vanquis Bank Limited unfairly reported a missed payment to his credit file relating to his credit card account.Credit file reporting

Vanquis didn’t make reasonable adjustments for his vulnerability, nor has it acted reasonably under the Consumer Duty.Support for vulnerable customers

Rules cited

FCA Consumer Duty (PRIN 2A), FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6004302.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.