Capital One (Europe) plc

Financial Ombudsman decision DRN-6432839 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Tue Jul 14deadline 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

Failure to implement the Breathing Space arrangement in May 2025Treatment in financial difficulty

it wouldn't be right to direct them to remove the default from Mr M’s credit recordsCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6432839.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.