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Vanquis Bank Limited
Financial Ombudsman decision DRN-6207579 Not upheld
Not upheldoutcome, as published by the Ombudsman
£50redress stated in the decision
Wed Jul 08deadline 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
Irresponsible lending, Complaint handling
In the Ombudsman’s words
All lenders are obliged to carry out these affordability checks before reaching a lending decisionIrresponsible lending
He’s also unhappy about errors in the final response letter he received.Complaint handling
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6207579.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.