Firm + product analysis

Capital One (Europe) plc in Payment protection insurance (PPI)

A curated public analysis of Capital One (Europe) plc's published Financial Ombudsman decisions in Payment protection insurance (PPI), including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

5,126 published FOS decisions involving Capital One (Europe) plc in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

5,126

Decision volume in this firm-product slice

Upheld rate

46.0%

2,360 upheld decisions

Latest published decision 07 Sept 2021

Published decisions

5,126

Decision volume in this firm-product slice

Upheld rate

46.0%

2,360 upheld decisions

Latest active year

2021

101 decisions

Leading complaint theme

Affordability Assessment Failure

299 tagged decisions

Capital One (Europe) plc in Payment protection insurance (PPI)

Capital One (Europe) plc appears in 5,126 published decisions in Payment protection insurance (PPI) across this corpus. 46.0% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 101 published decisions and an upheld rate of 50.5%.

  • Leading complaint theme: Affordability Assessment Failure
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Payment protection insurance (PPI): medium

How the slice behaves over time

Capital One (Europe) plc has a multi-year published decision trail in Payment protection insurance (PPI), which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Payment protection insurance (PPI) remains a meaningful part of Capital One (Europe) plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 101 decisions, 50.5% upheld
  • 2020: 21 decisions, 4.8% upheld
  • 2019: 229 decisions, 17.9% upheld
  • 2018: 880 decisions, 73.5% upheld
  • 2017: 251 decisions, 23.9% upheld

Themes, precedent context, and handling implications

Affordability Assessment Failure is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 5.2% of cases), review disp precedent (appears in 5.1% of cases), review icobs precedent (appears in 4.6% of cases), and others.

  • Second complaint theme: Communication Failure

Representative cases

Recent published decisions in this slice

5 examples shown

DRN457513307 Sept 2021Upheld

Capital One (Europe) plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2003. Mr R says Capital One (Europe) plc mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr R’s circumstances at the time of the sale as w... (5 pages)

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DRN496290307 Sept 2021Upheld

Capital One (Europe) plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2001. Mr M says Capital One (Europe) plc (“Capital One”) mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr M’s circumstances at the time ... (5 pages)

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DRN022270703 Sept 2021Upheld

Capital One (Europe) plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2006. Miss H says Capital One (Europe) plc mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Miss H’s circumstances at the time of the sale ... (5 pages)

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DRN409005402 Sept 2021Not upheld

Capital One (Europe) plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2002. Mrs S says Capital One (Europe) plc mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs S’s circumstances at the time of the sale as... (5 pages)

View source decision
DRN836671902 Sept 2021Upheld

Capital One (Europe) plc · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2004. Mr S says Capital One (Europe) plc mis-sold him PPI. background The background and circumstances leading up to this complaint, which includes Mr S’s circumstances at the time of the sale as w... (5 pages)

View source decision