Capital One (Europe) plc

Financial Ombudsman decision DRN3911960 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Thu Jan 09deadline 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr B complains that Capital One (Europe) plc wouldn't accept his offer to repay £100 per month towards his arrears.Treatment in financial difficulty

remove any adverse payment information recorded on Mr B’s credit file as a result of the interest and charges on his balance from December until the payment plan was set up.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3911960.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.