Capital One (Europe) plc

Financial Ombudsman decision DRN3287595 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Sep 25deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr H complains that Capital One (Europe) plc should not have provided him with two credit cards and then increased his credit limit because he says he was in financial difficulty and it was unaffordable.Irresponsible lending

Mr H is unhappy that Capital One registered a default on his credit file when he was told that wouldn’t happen.Credit file reporting

Rules cited

CRM Code (APP scam reimbursement)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3287595.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.