Vanquis Bank Limited

Financial Ombudsman decision DRN7857479 Upheld

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

Charges and fees, Credit file reporting, Complaint handling

In the Ombudsman’s words

refunded the over limit charges and interestCharges and fees

Miss W’s credit file should also be amended to reflect the re-worked accountCredit file reporting

Vanquis did not investigate the complaint, or respond to her, until after this service’s involvementComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7857479.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.