Capital One (Europe) plc

Financial Ombudsman decision DRN8469990 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Tue Aug 26deadline 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

amend the date the account shows as settled on his credit recordCredit file reporting

did not respond to his offer to settle his defaulted account within a reasonable amount of timeComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8469990.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.