Capital One (Europe) plc

Financial Ombudsman decision DRN8685465 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Miss G complains that Capital One (Europe) plc has passed her account to collections agencies and then sold it to a third party without telling her or serving her with the correct notices.Treatment in financial difficulty

Miss G wants Capital One to take the debt back in-house and cancel the default.Credit file reporting

Rules cited

Financial Services and Markets Act 2000

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8685465.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.