Capital One (Europe) plc

Financial Ombudsman decision DRN-3478309 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jun 20deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mrs W also says even though Capital One have since agreed a token payment plan of £1 per month until her complaint is settled, it has still placed her credit card account with a debt collection agency.Treatment in financial difficulty

Mrs W complains Capital One (Europe) plc (Capital One) unfairly registered a default on her credit file relating to her credit card account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3478309.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.