Vanquis Bank Limited

Financial Ombudsman decision DRN9275018 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Fri Feb 28deadline 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

Payment delayed or failed, Service failure

In the Ombudsman’s words

did not apply a payment to her account for almost three monthsPayment delayed or failed

I find it unreasonable that it took so long for the payment to be correctly appliedService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9275018.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.