Capital One (Europe) plc

Financial Ombudsman decision DRN-3751230 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Nov 10deadline 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

In the Ombudsman’s words

I currently think that approving Mr E for a credit card with a limit of £750 only four months later without further checks about his income and outgoings was irresponsible.Irresponsible lending

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3751230.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.