Capital One PPI 1999 - "Short Application Form"

cjm28

All,

My request to a refund of PPI payments and interest going back to June 1999 has been rejected by Capital One. They have provided a copy of my postal application, a "Short Application Form", which has my name and address printed. The application has a section where it states:

"Please enrol me in Capital One's Payment Protection scheme" with a Yes or No box. The Yes box has been ticked while the No box is completely blanked out; like it has been entirely filled in by marker. I suspect the application form has been amended after I submitted it. In addition, the ink and style of the tick in the Yes box appears to be different from the rest of the application (possibly a thiner pen).

In their response to me they have not acknowledged that the No box had marker over it. They state: "The application form gives two opetions regarding the addition of the PPI policy. The boxes are clearly marked 'yes' or 'no'. Therefore, you had the choice to tick either box and the PPI was only added because you selected 'yes'. If you had ticked the box marked no or left this blank, the PPI would not have been applied to you account. We have never pre-populated or automatically completed tick boxes on our application forms and continue not to do so."

They have also said that they send me a copy of the PPI policy after it was taken out. I do not recall this happening.

I have uploaded an image of part of the application here:

i47 . tinypic .com /wm0ze1.jpg

(Sorry, less than 10 posts so I can't post the link or picture directly. Please delete the 4 spaces in the above link.)

Is it me or does something not look quite right with this? I do not recognise the signiture on the left, presumably it is the Capital One underwriter. I did note that it was a finer pen than I had used though, similar to the Yes tick. I intend to write back and point out the unusual No box. Any thoughts or advice would be gratefully recieved.

Thanks

Chris

dunstonh

"Please enrol me in Capital One's Payment Protection scheme" with a Yes or No box. The Yes box has been ticked while the No box is completely blanked out; like it has been entirely filled in by marker. I suspect the application form has been amended after I submitted it.

That is a serious accusation of fraud. Two issues there:
1 - what evidence do you have to support your allegation.
2 - if that was the case then why has it taken you over 13 years to report it?

[Deleted User]

cjm28 wrote: »

Any thoughts or advice would be gratefully received.

I have to be honest and say I think you're grasping at straws here. Do you truly believe you are going to have a complaint of fraud against you upheld by the Bank because "something does not look quite right with this"?

Complain of mis-selling to the Bank. Serious complaints about fraud (with evidence, of course) should go to the Police.