Capital One (Europe) plc

Financial Ombudsman decision DRN-4183364 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Oct 23deadline 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

Mr M complains that Capital One (Europe) plc unfairly defaulted his account when he was maintaining his payments on a payment arrangement.Treatment in financial difficulty

It said Mr M’s payments weren’t enough to meet the minimum repayment amounts, so his account fell further behind, and a default letter was issued on 2 May 2022.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4183364.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.