Vanquis Bank Limited

Financial Ombudsman decision DRN1637232 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri May 15deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Any ROP charges, interest and fees charged on the account as a result of Mr H not being able to activate the ROP should be refunded.Charges and fees

Remove any negative records from Mr H’s credit history file which were added as a result of the ROP not being activated.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1637232.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.