Vanquis Bank Limited

Financial Ombudsman decision DRN9999920 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jun 29deadline 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, Product mis-sold

In the Ombudsman’s words

Mrs W complains that Vanquis Bank Limited charged her for a Repayment Option Plan (ROP) which she doesn’t recall agreeing to.Charges and fees

But I don’t find that Vanquis mis-sold the ROP or that Mrs W didn’t agree to have it.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9999920.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.