Capital One (Europe) plc

Financial Ombudsman decision DRN1333581 Upheld

Upheldoutcome, as published by the Ombudsman

£450redress stated in the decision

Wed May 16deadline 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Mr H complains that Capital One (Europe) plc confused a settlement agreement he made to settle his credit card balance and registered a default with credit reference agencies.Credit file reporting

I do think Capital One could have been much clearer with Mr H during the telephone call... I’m minded to ask Capital One to pay Mr H £50 for the distress and inconvenience this caused.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1333581.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.