Capital One (Europe) plc

Financial Ombudsman decision DRN-5019359 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Apr 02deadline 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

Credit file reporting, Support for vulnerable customers

In the Ombudsman’s words

Ms S complains that Capital One (Europe) plc didn’t properly inform her of the implications of a period of “breathing space” that was agreed on her account and how it would affect her credit file.Credit file reporting

Ms S described her health issues and said that she was having to pay people to do things that she’d normally do herself.Support for vulnerable customers

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5019359.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.