Vanquis Bank Limited

Financial Ombudsman decision DRN3386254 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 22deadline 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

it charged her late payment fees as it is entitled to do according to the account terms and conditionsCharges and fees

registered the late payments on her credit file as it said it’s obliged to doCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3386254.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.