Capital One (Europe) plc

Financial Ombudsman decision DRN-3162690 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Dec 15deadline 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

Mr M complained that Capital One (Europe) plc lent irresponsibly when providing him with two credit cards and increasing the credit limit three times on the second card.Irresponsible lending

Capital One should also remove any adverse information it’s recorded against Mr M on his credit file as a result of these credit limit increases.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3162690.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.