Capital One (Europe) plc

Financial Ombudsman decision DRN2261307 Not upheld

Not upheldoutcome, as published by the Ombudsman

£48redress 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

It had blocked his card until the account was brought up to date. It warned him that his credit history would be damaged if he didn’t pay.Charges and fees

This led to adverse information being recorded on his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2261307.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.