Vanquis Bank Limited

Financial Ombudsman decision DRN1677940 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Aug 17deadline 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, Service failure

In the Ombudsman’s words

refund default interest charges to Mr W’s account since 10 October 2014Charges and fees

remove any adverse information reported to Mr W’s credit file since 10 October 2014Credit file reporting

I find Vanquis is responsible for providing poor service when Mr W contacted it round about October 2014 to discuss his account.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1677940.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.