PPI added to C/C after signing PPI Claim or Fraud?

dunstonh

A fraud would, by default, by a missale. So whilst the FOS couldnt investigate the fraud, they could report it to the FCA and uphold the complaint and inform the bank of their belief that it was fraud for the bank then to investigate. Remember the bank would equally be a victim of fraud here as well if a staff member was committing fraud as they would have to pay out to cover the losses.

So, it seems extremely unlikely that the FOS would say it was a fraud. It is more likely they would say that what the person is saying is an allegation of fraud and its not their place to deal with that.

And as the FOS themselves have said in complaint responses, the adding of PPI after the application is very common and normal, its unlikely they would consider it a fraud. Indeed, FOS responses where there is little or no audit trail and contradictory information about the same is not referred to as fraud. Incomplete records does not mean fraud. It means incomplete records. They would review the complaint on the available information supplied by both sides and make a decision in the normal way.