Capital One (Europe) plc

Financial Ombudsman decision DRN6236381 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 13deadline 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 C complains that Capital One (Europe) plc irresponsibly allowed him to open a credit card account in 2014 that was unaffordable.Irresponsible lending

I’ve also considered that this type of account that Capital One offered, which was for those with a less than perfect credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6236381.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.