Capital One (Europe) plc

Financial Ombudsman decision DRN-1473995 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jun 26deadline 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, Charges and fees

In the Ombudsman’s words

Mr P complains that Capital One (Europe) plc trading as Luma (Capital One) acted irresponsibly when it agreed to provide him with a credit card facility in 2012.Irresponsible lending

He also says that Capital One applied excessive account fees between 2012 and 2015 when the account was closedCharges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1473995.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.