According to the BCSB, 13 million people in the UK do not have a current account.
BBC: Poor struggle to open bank accounts
We immediately stopped any further pre-filled cheques from being sent to customers and informed the BCSB of our error.
BBC: NEWS | Business | Credit card cheques 'under fire'
In December 2005, Capital One told the BCSB, which oversees the implementation of the code, what it had been doing.
The BCSB has no right to fine banks in breach of the code, but it can name and shame them.
Robert Skinner, chief executive of the BCSB, said Capital One had been guilty of a serious breach of the Banking Code.
The BCSB findings cast serious doubts on whether the system will work.
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