Capital One (Europe) plc

Financial Ombudsman decision DRN-5802783 Not upheld

Not upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Oct 09deadline 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

Miss H agreed to pay Capital One reduced payments of £50 a month from November 2024, due to the costs of a family bereavement.Treatment in financial difficulty

Miss H complains that Capital One (Europe) plc (‘Capital One’) reported missed payments to the Credit Reference Agencies (‘CRAs’) without telling her this would happen.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5802783.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.