Capital One (Europe) plc

Financial Ombudsman decision DRN-3711755 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Oct 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

Mrs B is unhappy that Capital One (Europe) plc provided credit to her which she feels wasn’t affordable for her at those times.Irresponsible lending

Capital One must also remove all adverse reporting relating to this account from Mrs B’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3711755.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.