Capital One (Europe) plc

Reference number: 204440

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • Capital One
  • Luma

Company details

From the company's Companies House record.

Company number
03879023
Company status
Active
Company type
Public limited company
Incorporated
17 November 1999 (26 years old)
Registered office
Trent House, Station Street, Nottingham, NG2 3HX
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Robert William Harding Director Jan 1974 4 Mar 2014
Lucy Marie Hagues Director Jan 1977 9 Feb 2017
James Solomon Aron Director Oct 1982 2 Dec 2020
Lisa Walker Director Dec 1972 18 Mar 2025
Peter Frost Director Oct 1965 18 Mar 2025
Austin Bingham Director Sep 1987 24 Sep 2025
Lisa Walker Secretary Not published 12 Jun 2026

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • +41225053215
Fake email addresses (2)
  • lidija.s@capital1europe.com
  • support@cap1eu.com
Fake websites (3)
  • cap1eu.com
  • capital1europe.com
  • trader.cap1eu.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.

    How safeguarding works →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 4. Executing payment transactions (credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • Debt Administration
  • Debt-collecting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Providing Credit Information Services

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

Action taken against them, and what customers complained about

1 fine in 2007, £175,000 in total. This is part of the official register record and is worth reviewing before going ahead.

  • Fined £175,000 on 15 February 2007
    The FSA has decided to impose a financial penalty of £175,000 on Capital One as a result of breaches of the FSA's Principles for Businesses (the FSA Principles). Capital One agreed to settle at an early stage of the FSA's investigation and qualified for a 30% (stage 1) discount under the FSA's executive settlement procedures. Were it not for this discount the FSA would have imposed a financial penalty of £250,000 on Capital One. The FSA decided to impose a financial penalty on Capital One in respect of breaches of the FSA Principles 3 and 6. These occurred over various periods between 14 January 2005 and 5 April 2006, in relation to the sale by Capital One of payment protection insurance (PPI) policies. The breaches relate to Capital One's: (1) failure to take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems (Principle 3); and (2) failure to pay due regard to the interests of its customers and failing to treat them fairly (Principle 6). Capital One breached Principles 3 and 6 by failing to have in place adequate systems and controls in relation to the sale of PPI to ensure that its customers were treated fairly. As a result of the inadequate systems and controls: 1) Capital One failed to send a policy document to 98,000 of its 1.3 million PPI customers (of which 48,000 related to the period prior to FSA regulation ); 2) two out of four script options used for all telephone sales did not ask the customer for consent explicitly to receive only limited information over the telephone; 3) the form of disclosure used in scripts for customers who purchased PPI over the telephone did not ensure adequate disclosure, in an acceptable number of cases, of: i. policy features and benefits; and ii. policy exclusions and limitations; 4) Capital One failed to provide customers who purchased PPI other than by telephone with the policy document prior to the conclusion of the contract; and 5) Capital One's compliance monitoring of telephone sales of PPI was not sufficiently effective. These matters were viewed as serious by the FSA. In particular, Capital One's failure to provide more than 50,000 customers with a policy document (rather than just a policy summary which was provided in all cases) meant that affected customers did not have the opportunity to consider all aspects of the PPI policy, and whether it may have met their demands and needs, prior to purchase. There are several mitigating factors which were taken into account by the FSA: 1) Capital One proactively engaged in a substantial remediation programme to ensure that all customers who did not receive a policy document, including those who purchased PPI prior to the commencement of FSA regulation, have the opportunity to be recompensed. The cost of this programme, including potential premium refunds, has been estimated to be in the region of £1.1 million in relation to sales made after FSA regulation and £1.9 million before FSA regulation was introduced. 2) Capital One agreed to review all declined claims relating to policies purchased since January 2005 and reconsider the claims in light of information provided or not provided to the customer at the time of sale; 3) Capital One agreed to establish a specialist complaints handling team to deal with any complaints from its customers in relation to PPI; 4) Capital One agreed to communicate to all customers acquired through the telephone channel during the period where scripted disclosure of policy features and benefits was not adequate to encourage customers to read the full terms and conditions of the PPI policy to ensure that the policy meets their demands and needs; 5) on its own initiative, Capital One implemented its own PPI Improvement Process and commissioned external consultants to review its PPI activities; and 6) Capital One co-operated with the FSA's investigation, in some respects demonstrating best practi.

Past business

The FCA has required this firm to go back over business it already did and put things right where customers lost out. Each entry below is the FCA's own wording, and several may amend one scheme rather than describe separate ones.

  • Amendment to a consumer redress exercise
    The Requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.33 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement in Annex 1 hereto. Changes to the Scheme of Arrangement originally appended to the Requirements are highlighted through underlined or struck through text. Paragraph 5.1 of Part 3 of Annex B of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.6 and 4.9 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 15 November 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.8 to 4.10 of the Scheme Document.
  • Amendment to a consumer redress exercise
    The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
  • Amendment to a consumer redress exercise
    Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: 'Extreme Distressed Suppression Population' means Scheme Creditors in respect of whom Schemeco and/or the Scheme Administrators receive a direct communication, in writing or otherwise, from: 1.21(A).1 that Scheme Creditor expressly requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement; or 1.21(A).2 a third party on behalf of a Scheme Creditor stating that the Scheme Creditor is deceased and requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement (provided that the Scheme Administrators are reasonably satisfied that the third party is authorised by law to make such a request on behalf of the Scheme Creditor), and in each case the Scheme Administrators reasonably determine at their discretion on the information available to them that the sending of further communications in connection with the Scheme to the Scheme Creditor will or will be reasonably likely to cause distress or harm.. 6.2 The definition of 'Scheme of Arrangement' at paragraph 1.33 shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the scheme of arrangement in Annex 1 hereto. Scheme Claims Decisioning Procedures 7. The requirements set out in Annex B to the Requirements be supplemented by inserting a new paragraph 5.2 at Part 3 of Annex B as follows: 5.2 Certain time limits apply where Scheme Creditors wish to initiate the Dispute Resolution Procedure or (as part of the Dispute Resolution Procedure) to refer a dispute to the Scheme Adjudicator. These are set out in Clauses 4.6, 4.8, 4.9 and 7.1 of the Scheme of Arrangement.
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation). For full terms see the scheme documentation: www.aischeme.co.uk. The amount of redress may be calculated to off-set any insurance claims made under the Card Security Products. This consumer redress scheme must be implemented no later than 31 October 2015. This consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are also available on the FCA website: www.fca.org.uk/affinion-scheme.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Capital One Bank (Europe) Plc

Complaints record

In January–June 2025, the Financial Ombudsman Service received 1,142 new complaints about this firm, and upheld 22% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 1,141
  • Insurance 1

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Capital One (Europe) plc FCA authorised?
Yes, Capital One (Europe) plc (FRN 204440) is authorised by the FCA to carry out regulated activities.
Is my money safe with Capital One (Europe)?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Capital One (Europe) to the Financial Ombudsman Service, free of charge.
Is Capital One (Europe) a scam or clone?
Capital One (Europe) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Capital One (Europe)'s Firm Reference Number (FRN)?
Capital One (Europe)'s FRN is 204440. You can verify it on the FCA register.