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Vanquis Bank Limited

Financial Ombudsman decision DRN-6228786 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, Complaint handling

In the Ombudsman’s words

Mr D complains that Vanquis Bank Limited unfairly registered a default on his credit card account and later failed to remove it after telling him it would.Credit file reporting

During subsequent contact, it incorrectly told Mr D the default would be removed. It later explained this was a mistake and that only the account status needed updating to show the account had been settled and closed.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6228786.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.