For those who like the detail
The Luma Credit Card
The Luma Credit Card is promoted and issued by Capital One (Europe) plc.
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. Authorised and regulated by the Financial Conduct Authority. Register Number 204440.
Capital One (Europe) plc is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 for the provision of payment services.
Email us at: enquiriesUK@capitalone.com. To protect your information, please don't send any confidential or sensitive information in your message as this email address isn't secure.
Copyright and Trademarks
© 2019 Capital One (Europe) plc, Trent House, Station Street, Nottingham, NG2 3HX. Capital One®, CreditWise from Capital One® and Capital One CreditWise® are registered trademarks of Capital One. Capital One Aspire® Elite is a World Elite™ Mastercard®. Mastercard®, World Mastercard® and World Elite™ Mastercard® are registered trademarks of Mastercard International Incorporated.
Insurance Information
Capital One Payment Protection Insurance
Capital One Payment Protection Insurance is underwritten by AXA France Vie (Registered in France with company number 310499959 RCS Nanterre) whose registered office is at 313, Terrasses de l'Arche 92727 Nanterre and AXA Insurance UK plc (a company limited by shares. Registered in England and Wales number 78950) whose registered office is at 5 Old Broad Street, London, EC2N 1AD. AXA France Vie is authorised by the ACPR to operate in Freedom of Services. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, registration number 202312. Regulatory status can be confirmed by visiting the FCA 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 FCA. 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 opens in a new tab .
CCTV
Capital One operates CCTV cameras at its UK offices for the purposes of crime prevention and investigation, for public safety and to identify acts of negligence which cause damage to our assets. Images collected by these cameras may be used and retained, in accordance with the General Data Protection Regulations, 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 that legislation. 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:
Console (CCTV enquiries)
Capital One (Europe) plc
Trent House
Station Street
Nottingham
NG2 3HX
Regulators
We know that our customers have high expectations of us, and rightly so. To this end we not only ensure we meet or exceed what our regulator asks of us, we actively go out of our way to join other reputable organisations that can help ensure we really challenge ourselves and the credit card industry to bring the best products and services to the consumer.
Financial Conduct Authority
Capital One (Europe) plc is regulated by the Financial Conduct Authority (FCA), an independent organisation responsible for regulating the conduct of various financial institutions.
The FCA's operational objectives are to secure an appropriate degree of protection for consumers, promote efficiency and choice in the market for financial services, and to protect and enhance the integrity of the UK financial system.
The FCA sets the conduct standards that financial institutions must meet and can take action against firms if they fail to meet their requirements. If you would like further information, please see the FCA's website opens in a new tab .
The FSCS can, in certain circumstances, protect consumers when a financial services firm stops trading or does not have enough assets to pay claims made against it. If you would like further information please visit the FSCS website opens in a new tab
Standards
The Standards of Lending Practice
The Standards of Lending Practice set out the benchmark for good lending practice and provide the framework for how financial services firms should serve their customers. The Standards of Lending Practice cover good practice in relation to loans, credit cards and current account overdrafts.
Compliance with the customer outcomes set down in the Standards of Lending Practice is independently monitored and enforced by the Lending Standards Board (LSB). To view a list of Registered Firms, and to see a full copy of the Standards of Lending Practice, please visit the LSB website opens in a new tab .
