Capital One (Europe) plc

Financial Ombudsman decision DRN4722242 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Nov 28deadline 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, Treatment in financial difficulty

In the Ombudsman’s words

Mr H complains that Capital One (Europe) plc shouldn’t have given him a credit card. He says his credit history should have made Capital One aware that the lending was unaffordable for him.Irresponsible lending

Mr H fell behind with his repayments. He told Capital One he was experiencing financial difficulty and it agreed a repayment plan with himTreatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4722242.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.