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.
Trent House Station Street, Nottingham, Nottinghamshire, NG2 3HX, United Kingdom
In the full report: 3 background checks
When capitalone.co.uk first appeared online, and whether it can receive email
What kind of line 0344 481 2812 is
Who else gives the postcode NG2 3HX
Other names(3)
If you were contacted under any of these names, it is this firm.
Capital One Trading name: A name it trades under now.
Luma Trading name: A name it trades under now.
Capital One Bank (Europe) Plc Former name: A name it was registered under before.
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.
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
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.
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.
ComplaintsOmbudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
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
FCA disciplinary action and Ombudsman complaints
FCA action
fine
1
in fines
£175k
most recent
February 2007
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.
Ombudsman complaints
new complaints, January–June 2025
1,142
upheld, against a 31% median
22%
about banking and credit
1,141
A bigger firm gets more complaints simply because it has more customers.
Customer compensation schemes
The FCA has ordered this firm to review past sales and pay back customers who lost out.
January 2015To 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…
August 2013Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
7
closed down
3
is FCA-registered
1
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 7 companies, named
What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 2 companies these 6 directors run together
All 37 people who have ever been directors, with their dates
Key dates in its history
Capital One (Europe)’s history from the FCA register and Companies House, newest first.
FCA warned the public about a scam impersonating this firm
FCA warning list
2022
26 July 2022
Capital One Financial Corporation took control (75–100% of shares)
Capital One Holdings Limited gave up control
Capital One Investments Limited stopped being a part-owner
Companies House
2016
6 April 2016
Capital One Holdings Limited took control (50–75% of shares)
Capital One Investments Limited became a part-owner (25–50% of shares)
Companies House
2015
27 January 2015
FCA ordered a customer compensation scheme
FCA register
2013
22 August 2013
FCA ordered a customer compensation scheme
FCA register
1 April 2013
Regulated by the FCA from this date
FCA register
2010
25 November 2010
Changed its registered name from "Capital One Bank (Europe) Plc"
FCA register
2008
1 March 2008
Regulated by the Office of the Comptroller of the Currency from this date
FCA register
2007
15 February 2007
Fined £175,000 by the FCA
FCA register
2001
1 December 2001
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register
1999
17 November 1999
Incorporated at Companies House
Companies House
1998
1 June 1998
Regulated by the Financial Services Authority from this date
FCA register
1911
1 January 1911
Regulated by the Federal Reserve Board from this date
FCA register
In the full report: all 92 events
All 92 events in its history (17 shown here)
Every director appointment and resignation: 66
Firms connected to Capital One (Europe)
Other FCA-listed firms that share a director, phone number or address with Capital One (Europe). A link shows who the firm is tied to, not whether either can be trusted.
connected firm
1
share a director
1
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: the connected firm, named
How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
Firms like Capital One (Europe)
Other firms of the same type (lender), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Capital One (Europe)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
7 other companies its directors have run, named
3 background checks on its contact details
All 92 events in its history
1 connected firm, named, and who links them
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FirmSearch Report
Capital One (Europe) PLC
Reference 204440 27 October 2026
Frequently asked questions about this firm
Is Capital One (Europe) PLC FCA authorised?
Yes, Capital One (Europe) PLC (FRN 204440) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a lender. The FCA has placed no limits on its permissions.
What is Capital One (Europe)’s phone number and website?
The FCA register lists the phone number 0344 481 2812 and the website capitalone.co.uk for Capital One (Europe). If you were given different contact details, use these to check with the firm before going any further.
Is Capital One (Europe) a scam or clone?
Scammers have impersonated Capital One (Europe): the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Capital One (Europe), shown on this page.
Is my money safe with Capital One (Europe)?
Its FCA permissions do not allow it to hold or control client money. 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.
Who owns Capital One (Europe)?
Capital One (Europe) is owned by Capital One Financial Corporation, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 July 2022. Before that, it was controlled by Capital One Holdings Limited and Capital One Investments Limited.
Who runs Capital One (Europe)?
Companies House lists 6 directors of Capital One (Europe): Robert William Harding, Lucy Marie Hagues, James Solomon Aron, Lisa Walker, Peter Frost and Austin Bingham.
How long has Capital One (Europe) been in business?
The company was formed on 17 November 1999, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Capital One (Europe)?
Yes. The FCA register records 1 fine in 2007, £175,000 in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Capital One (Europe) get?
In January–June 2025, the Financial Ombudsman Service received 1,142 new complaints about Capital One (Europe), and upheld 22% of those it decided.
Does Capital One (Europe) use any other names?
It trades as Capital One and Luma. It has previously used the name Capital One Bank (Europe) Plc.