Capital One (Europe) plc

Financial Ombudsman decision DRN0481866 Not upheld

Not upheldoutcome, as published by the Ombudsman

£111redress stated in the decision

—deadline 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

Interest and rates, Credit file reporting

In the Ombudsman’s words

He found that when Ms J told Capital One about her financial difficulties, it was slow to suspend interest and charges. He recommended that Capital One refund half of the interest charged for a six month period.Interest and rates

Ms J complains that Capital One (Europe) plc has unfairly recorded a default with the credit rating agencies against her credit card account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0481866.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.