Vanquis Bank Limited

Financial Ombudsman decision DRN4695685 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

—deadline 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, Charges and fees, Product mis-sold, Identity checks and access

In the Ombudsman’s words

irresponsibly increased her credit limitIrresponsible lending

did not respond appropriately to her financial difficultiesTreatment in financial difficulty

unfairly applied charges to her accountCharges and fees

mis-sold her the Repayment Option Plan (ROP) when she opened her credit card accountProduct mis-sold

tried to add her mother as an authorised user to her accountIdentity checks and access

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4695685.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.