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Vanquis Bank Limited

Financial Ombudsman decision DRN-6075545 Not upheld

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 A complains Vanquis Bank Limited (‘V’) defaulted him.Credit file reporting

Mr A says the default was registered unfairly. In summary, he says that V’s app which he used to manage the account was not showing he was in arrears. And he had informed V that he could only use the app to manage his account because of his mental health condition.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6075545.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.