Capital One (Europe) plc

Financial Ombudsman decision DRN1020879 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Apr 24deadline 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

I also think it’s reasonable for Capital One to ask Mr R for details of his financial situation if it wishes to do so, and it may be entitled to default the account later – but it should bear in mind its obligation to treat Mr R positively and sympathetically if he’s in financial difficulty.Treatment in financial difficulty

Mr R complains that Capital One (Europe) plc has put a default on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1020879.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.