Financial Ombudsman Service - NOT happy

[Spellkaster]

I went to the Ombudsman after having issues with my credit card provider, Capital One.

In their review, the Ombudsman has ignored several factors:-

I was £10,500 in debt when Capital One gave me 2 credit cards

They ignored the fact that Capital One has refused point blank to issue a default notice after missing more then 3 contractural payments

Cap One keep reporting "late repayment" on my credit file which is more damaging then a default

The FOS have not helped me at all

Please help

[MIKE770]

welcome to the weird world of regulators the non help element, nothing new there, they double talk and are worse than useless