Capital One (Europe) plc

Financial Ombudsman decision DRN9120779 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Apr 23deadline 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

In the Ombudsman’s words

Miss J complains that Capital One (Europe) plc did not explain to her that it would record a default on her credit card account when she entered into a payment plan.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9120779.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.