Capital One (Europe) plc

Financial Ombudsman decision DRN1603960 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress 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

Credit file reporting, Product mis-sold

In the Ombudsman’s words

remove any adverse credit data recorded by Capital One since April 2013 against Mr R’s name in relation to the accountCredit file reporting

I am not satisfied that Capital One did enough to make Mr R aware in 2008 that he remained the accountholder and solely liable for the account.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1603960.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.