Sorry but won't I need to sign the policy or tick the necessary box for purchasing the PPI?

Thank you

Hi

i am new in this forum.

I just need some advice.

I have missold PPI by Capital One and have been paying for 7 years I realise.

I I filled a complain form and sent to them.

They replied my letter in 8 weeks and told me that I haven't missold PPI .

They say that If I would like them to review my case again, I have to write them with relevant details.

I am not going to write all thing they told me but I just need some advice from you.

In their respond they told me that when I applied to Capital One Credit account by completing a postal application on 18 June 2004.

and at that point I did not indicate that I wanted to purchase optional PPI

and as a result it was not applied to my account at that stage.

But I purchased the policy during a telephone conversation on 11 February 2005.

they phone me and I purchased the PPi on the phone.

Are they allowed to do that?

because I did not sign any policy agreement.

Thank you