Capital One (Europe) plc

Financial Ombudsman decision DRN5477620 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

Card dispute or chargeback, Identity checks and access

In the Ombudsman’s words

Mr D complains that Capital One will not provide a refund under Section 75 of the Consumer Credit Act 1974Card dispute or chargeback

it has not provided a copy of the credit agreement signed by himIdentity checks and access

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5477620.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.