Capital One (Europe) plc

Financial Ombudsman decision DRN-3394910 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jul 05deadline 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

Ms G has complained that Capital One (Europe) plc irresponsibly lent to her.Irresponsible lending

I don’t think it’s fair for it to charge any interest or charges after 9 November 2019Charges and fees

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3394910.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.