Capital One (Europe) plc

Financial Ombudsman decision DRN-3687260 Upheld

Upheldoutcome, as published by the Ombudsman

£1,750redress stated in the decision

Thu Jan 19deadline 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

Miss L complains Capital One (Europe) plc increased her credit card limits to unaffordable levels.Irresponsible lending

Miss L asked Capital One to refund all the interest and charges it had applied and amend her credit file.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3687260.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.