Vanquis Bank Limited

Financial Ombudsman decision DRN-6045005 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Apr 17deadline 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, Payment delayed or failed

In the Ombudsman’s words

concerned about the financial information reported on his credit fileCredit file reporting

failed to follow his request to cancel a recurring paymentPayment delayed or failed

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA Consumer Duty (PRIN 2A), UK GDPR / Data Protection Act 2018

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6045005.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.