Capital One (Europe) plc

Financial Ombudsman decision DRN-6100085 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 23deadline 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

In terms of interest and charges, these appear to have been applied in line with the account terms and conditions.Charges and fees

I’ve also thought about Mr M’s concerns regarding his credit file.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6100085.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.