Capital One (Europe) plc

Financial Ombudsman decision DRN8528360 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Jun 11deadline 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

In the Ombudsman’s words

Ms J complains that Capital One (Europe) plc (Capital One) allowed her to go over the credit limit on her credit card on a number of occasions. She also thinks the card was mis-sold to her because she says it was supposed to build up her credit score, but she thinks she incurred extra charges as a result and that this has had a detrimental effect on her credit file.Irresponsible lending

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8528360.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.