Capital One (Europe) plc

Financial Ombudsman decision DRN3791918 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Nov 12deadline 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

he has not received default noticesCredit file reporting

Mr A complains that Capital One Bank (Europe) Plc did not provide a copy of the terms and conditions prior to him taking out two credit cardsComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3791918.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.