Capital One (Europe) plc

Financial Ombudsman decision DRN7589291 Not upheld

Not upheldoutcome, as published by the Ombudsman

£52redress stated in the decision

Tue May 08deadline 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

Charges and fees, Complaint handling

In the Ombudsman’s words

Capital One has applied late payment charges and interest.Charges and fees

Capital One could have handled things better by explaining to Mr R that cancelling his direct debit this late wouldn’t have stopped the payment being taken.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7589291.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.