Vanquis Bank Limited

Financial Ombudsman decision DRN-6214216 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 20deadline 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

Mrs S complains that Vanquis Bank Limited (“Vanquis”) has unfairly registered a default on her credit card account.Credit file reporting

Her ill-health significantly impaired her ability to manage correspondence, take calls or communicate clearly. So she didn’t always fully understand or process what was happening. Vanquis didn’t treat her fairly, in line with the guidance on vulnerable customers.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6214216.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.