Vanquis Bank Limited

Financial Ombudsman decision DRN3908195 Not upheld

Not upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Sat Nov 09deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr S complains that Vanquis Bank Limited failed to activate his repayment option plan (ROP) when he fell into financial difficulties.Treatment in financial difficulty

He wants Vanquis to backdate the plan to November 2015, put his account right and amend his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3908195.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.