Vanquis Bank Limited

Financial Ombudsman decision DRN6937585 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Tue Mar 03deadline 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

Credit file reporting, Service failure

In the Ombudsman’s words

I also haven’t found anything to show Vanquis made a mistake when reporting information about Miss M’s credit card to the credit reference agencies.Credit file reporting

I do agree that Vanquis should have stopped corresponding with Miss M at the registered address after she notified it she was no longer a resident there.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6937585.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.