Capital One (Europe) plc

Financial Ombudsman decision DRN9908709 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Sun Nov 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, Credit file reporting

In the Ombudsman’s words

Mr M complains that Capital One (Europe) plc lent him money that he couldn’t pay back.Irresponsible lending

Capital One (Europe) plc should also use its best endeavours to ensure that any adverse data on Mr M’s credit file for this credit card account is removed by the three major credit reference agencies.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9908709.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.