Capital One (Europe) plc

Financial Ombudsman decision DRN-4946827 Not upheld

Not upheldoutcome, as published by the Ombudsman

£5redress stated in the decision

Wed Sep 11deadline 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

complains that Capital One (Europe) plc, a credit card company, lent to her by approving the credit card and then increasing the credit limit when she could not afford it.Irresponsible lending

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4946827.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.