Capital One (Europe) plc

Financial Ombudsman decision DRN2509628 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Mon Feb 06deadline 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, Payment delayed or failed

In the Ombudsman’s words

refund all the late payment fees and default sum chargesCharges and fees

remove any adverse information relating to the matter from Mr G’s credit fileCredit file reporting

payments not being applied to the accountPayment delayed or failed

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2509628.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.