Does Capital One admit to breach of The Banking Code March 2005?

[Celtic Tiger]

Received today;

 

Mr. XXXX XXXXX

XXXXXXXXXXXX

XXXXXXXXXXXX

 

June 2006

 

Dear Mr XXXXXX

 

Important Information about Capital One and the Banking Code

 

Please note that this letter is for your information and you do not need to take any action.

 

The purpose of this letter is to advise you that during an internal review we discovered that we had sent you a book of credit card cheques and one cheque in the book had been pre-completed.

 

We are commited to ensuring that we strictly adhere to the Banking Code. In March 2005, the Banking Code introduced new guidance for Banks which included the requirement that credit card companies should not send customers 'pre-completed cheques'.

 

Please accept our apologies for sending you a cheque filled out with your name and a set amount.

 

Capital One is fully committed to the Banking Code and we have now taken steps to ensure that pre-completed cheques are no longer issued to any of our customers.

 

I would like to reassure you that the pre-completed cheque you used was processed to your account properly. However, if you have any queries with respect to this matter, please call us free on 0800 952 5097 lines open Monday-Friday 8am-8pm

 

Yours sincerely,

 

 

 

Sarah Mant

Customer Accounts Manager.

 

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Needless to say, I will be drafting a response to this asking exactly how the cheque was "processed to your account properly" and some other searching questions. Has anyone else received this letter?