Vanquis Bank Limited

Financial Ombudsman decision DRN1437633 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 12deadline 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, Treatment in financial difficulty

In the Ombudsman’s words

Mrs P says Vanquis was irresponsible in continuing to lend to her when she was using the account for gambling and was in poor health.Irresponsible lending

Vanquis is obliged to treat consumers in financial difficulty positively and sympathetically and I think it’s done that with Mrs P.Treatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1437633.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.