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Company Information

Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales. Company Number: 3879023.

Capital One is a provider of retail financial services. Credit licensed by the Office of Fair Trading. Authorised and regulated by the Financial Services Authority. Register Number 204440.

Capital One (Europe) plc is authorised by the Financial Services Authority under the Payment Service Regulations 2009 for the provision of payment services.

Copyright and Trademarks

© 2012 Capital One (Europe) plc, Trent House, Station Street, Nottingham NG2 3FB. Capital One Aspire® Elite is a World Elite™ MasterCard®. MasterCard®, World MasterCard® and World Elite™ MasterCard® are registered trademarks of MasterCard International Incorporated.

Capital One is an Authorised Payment Institution

What is an Authorised Payment Institution?

An Authorised Payment Institution (API) is a regulatory structure that was introduced in the UK in November 2009, following implementation of the EU-wide Payment Services Directive.

Does it affect my terms and conditions?

No, your terms and conditions have not changed as a result of us becoming an Authorised Payment Institution.

Does it change my account?

No, your account will not change as a result of us becoming an Authorised Payment Institution. Will it affect my repayments, interest rates or ability to balance transfer? No, your repayments, interest rates and the ability to make balance transfers will not change as a result of us becoming an Authorised Payment Institution.

Is Capital One still regulated?

Yes, we continue to be regulated by the Financial Services Authority. We also subscribe to the Lending Code, which covers good practice in relation to loans, credit cards, charge cards and current account overdrafts.

Insurance Information

Capital One Payment Protection Insurance

Capital One Payment Protection Insurance is underwritten by Friends Life Company Ltd (a company limited by shares. Registered in England and Wales number 3291349) whose registered office is Pixham End, Dorking, Surrey, RH4 1QA and AXA Insurance UK plc (a company limited by shares. Registered in England and Wales number 78950) whose registered offices are at 5 Old Broad Street, London, EC2N 1AD. Friends Life Company Ltd and AXA Insurance UK plc are authorised and regulated by the Financial Services Authority, registration numbers 185063 and 202312 respectively. Regulatory status can be confirmed by visiting the FSA website.

Payment Protection Insurance and Insurance Premium Tax

Insurance Premium tax (IPT) is a tax which is levied on insurance products sold in the UK. On 4 January 2011 the standard rate of IPT increased from 5% to 6%. Capital One Payment Protection Insurance policy holders are unaffected by this change, as the cost of this increase will be borne by us. Should the rate of IPT change in the future we reserve the right to charge you the associated cost. If this occurs and we decide to pass on the increase you will be made aware of the change in premium.

The Financial Services Compensation Scheme (FSCS) and Insurance

The Financial Services Compensation Scheme (FSCS) covers financial services firms which are regulated by the FSA. This means that the FSCS may pay compensation to consumers if a regulated business under the scheme is unable, or likely to be unable, to meet its obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website.

CCTV

Capital One operates CCTV cameras at its UK offices for the purposes of crime prevention and public safety. Images collected by these cameras may be used and retained, in accordance with the Data Protection Act 1998, by Capital One (Europe) plc, and our carefully selected third party service providers, for the purposes described. Images will not be used for any other purposes unless legally required or lawfully permitted under the Data Protection Act 1998. In some cases, for the additional purpose of managing disaster recovery operations, images may be transferred and viewed by Capital One Financial Corporation, and their carefully selected third party service providers, within the US.

For more information please write to us at:
Control Room (CCTV enquiries)
Capital One (Europe) plc
Trent House
Station Street
Nottingham
NG2 3FB

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© 2013 Capital One (Europe) plc, Trent House, Station Street, Nottingham NG2 3FB. Capital One Aspire® Elite is a World Elite™ MasterCard®.
MasterCard®, World MasterCard® and World Elite™ MasterCard® are registered trademarks of MasterCard International Incorporated.