Capital One (Europe) plc

Financial Ombudsman decision DRN-2028318 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Jul 23deadline 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, Credit file reporting

In the Ombudsman’s words

Mrs G is unhappy that Capital One (Europe) plc accepted her credit card application, as she thinks it was irresponsible to lend to her.Irresponsible lending

remove any adverse information relating to Mrs G’s credit card account from her credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2028318.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.