Capital One (Europe) plc

Financial Ombudsman decision DRN-5860459 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Mar 18deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Mr C complains that Capital One (Europe) plc trading as Capital One (Capital One) were irresponsible in approving a credit card for him because it was unaffordableIrresponsible lending

Mr C said he is unhappy that he was laughed at by a staff member during a distressing and vulnerable momentSupport for vulnerable customers

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5860459.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.