Capital One (Europe) plc

Financial Ombudsman decision DRN-4996509 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Oct 24deadline 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 K complains that Capital One (Europe) plc failed to treat him fairly when he faced some difficulties making his contractual repayments on a credit card account.Treatment in financial difficulty

Capital One added what it called “breathing space.” That meant Mr K would not be required to make any repayments for the next two months. But Capital One warned Mr K that would still mean that missed payments would be recorded on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4996509.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.