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brett48

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  1. Thanks Ims, I will give it a go on questioning the policy that Lloyds sent to FOS. Brett
  2. After an 18 month wait, FOS have finally ajudicated on my Lloyds credit card claim and not upheld it! I thought I had a pretty clear cut case as I was self employed during the lifetime of the card and I am sure that it was not made clear that the PPI was optional when I took out the card in the early 90s. Unfortunately, I do not have any documents relating to the original application and the Lloyds SAR only came back with stuff from 2000 onwards. FOS says that I was eligible for the policy which I find hard to believe. I suspect that Lloyds do not have the policy details from early 90s and have sent FOS details of a more recent policy that does include self employed eligibility but it would be difficult to prove that this did not link to my PPI. FOS also say that due to the length of time, they cannot be sure that the PPI was presented as optional so the onus is on me to prove it was not optional to back my claim. I can appeal on the aujudicaion but I am not sure if it is worth it. I do not have any new evidence and I am not sure if there is anything more that I can say that will overturn the decision. Has anybody got any ideas/comments on the next step or should I finally admit defeat on this one? On a more positive note, following a recent loft clearout, I have now found documentation relating to PPI on my Lombard Direct Loans and Santander are now on the case. I also found some PPI documents on an old Lloyds business loan. This was typically knocked back by Lloyds with their standard rejection letter and has been passed to FOS - Based on the credit card experience, I am not very optimistic about a sucessful outcome when they get round to ajudication next year. Brett
  3. It was Tim.shoveller As expected, my complaint was passed to one of his minions who eventually replied with apologies but offering no assistance. Their take is that no lost phones were reported handed in on the day in question and therefore the mysterious caller to my wife must have been Joe Public trying their luck. My wife, who is normally a good judge of voices, thinks that the caller sounded like a member of staff but of course we cannot prove anything. I am considering this as case closed. Thanks everybody for their input. Brett
  4. As expected, not a dickie bird from top man Tim or even a minion's acknowledgement since I emailed him last week - I guess it's par for the course with passenger complaints
  5. Thanks all for your help I agree that we can't be 100% sure that the person who called my wife was a Southwest trains employee. My wife said that he sounded genuine but it could possibly be a fellow passenger chancing their luck. However, no further calls were made from the phone which I would expect if it was a member of staff who made the call home. I am resigned to not seeing my phone again but I would just like to do my bit to try and prevent a similar situation happening to someone else if indeed the correct procedures for handling lost property are not being followed. I will try forwarding my complaint to top man Tim ,although I am not optimistic of a favourable response. Brett
  6. Does anybody know the email addresses of any of the big cheeses at Southwest Trains? I sent an email to customer services a few weeks ago regarding my mobile phone going walkabouts from lost property but have not even had the courtesy of a reply and I would now like to take my complaint higher. The story so far is that my phone dropped out of my pocket while I was running between connections at Clapham Junction station last month. The first I knew about the loss was when my wife told me that a member of the Southwest trains platform staff phoned home from my mobile to report that a member of the public had found my phone and handed it to the staff member. Initially, he asked my wife for our address to post the phone back to us. When my wife refused to provide our address on identity security reasons, he informed her that the phone could be picked from lost property at Waterloo. The trouble is that the phone never arrived at Waterloo! Despite a visit to the lost property office, several calls to the office, and conversations with disinterested platform staff at Clapham Junction, my phone has disappeared without trace. Interestingly, one member of the lost property staff told me that several people had recently also reported lost phones going missing between Clapham Junction and Waterloo and another informed me that the correct procedure when a lost phone is handed in to a staff member is for the phone to be switched off and then sent directly to Waterloo lost property. So it seems that I may not be alone in my predicament and some Southwest trains platform staff may not be strictly playing ball when it comes to lost property. Any help in taking this further would be much appreciated. Thanks Brett
  7. Yep, getting the CEO involved normally does the trick if you can get past the minions intercepting the mail and firing off standard responses to complaints. Great news that you have managed to dig up the account number and good luck with your claim! Brett
  8. Hi Danny If it is any help, I recently successfully claimed on a single premium PPI on a Halifax loan dating back to 1997 using the standard loan spreadsheet template on this site to calculate simple 8% interest. I found that the accuracy of the spreadsheet does not matter too much because Halifax will do their own calculations to derive a settlement figure. In my case, this worked out at almost double the amount I claimed. I also received a similar uplift on the claimed amount (again using the standard spreadsheet template) on a Halifax credit card from 2002. Brett
  9. Hi Bleasy I have recently had a successful claim on a Halifax loan dating back to 1997 so it's worth a try. Like you, I had no paperwork or account numbers and was entirely dependant on the SAR results to pick out the PPIs to claim. To their credit, of the half dozen SARs I sent to different banks, Halifax came back with the most comprehensive bundle, including copies of all my loan agreements dating back to the early nineties. Halifax also settled a claim relating to credit card PPI that I found in the same SAR and the settlement amounts they offered on both claims was almost twice the amount I was claiming! Brett
  10. Thanks Mike, just goes to prove that oldie claims can work, even after shredding all paperwork! Brett
  11. Halifax Town 2 Lloyds Wanderers 0 Fair play to the Halifax boys who have not only accepted both of my claims but are paying almost double the amounts I claimed using the standard loan and credit card spreadsheets, around £2.5K in total - Result !!! One cheque already received and the other on it's way .... What a difference to their brothers at Lloyds who have already kicked my claim with equal merit into touch and left poor under pressure referee, Mr FOS, to think about showing them the red card sometime next year. Brett
  12. My SAR without an account number to Santander relating to a closed Lombard loan from the nineties via First Tricity Finance and GE Money was returned twice with just a hand written with compliments slip requesting an account number. After I returned the request a third time, reiterating the point that an account number was not mandatory and my address had not changed from opening the loan, they finally replied that they had no data and could not help. In the end, I sent all of the stuff off to the Information Commissioner. They are still investigating but I am not optimistic that they will be able to squeeze any further info from Santander - they are a tough nut to crack ... Brett
  13. Hi Noonoo, Lloyds should be able to do your SAR based on your address history without the need for account numbers. Based on my personal experience with both bank charge and PPI SARs to numerous banks/credit card companies etc, Lloyds will respond near the tail end of the 40 days but on the plus side, their meaty reponse comes near the top in terms of comprehensive info. Just don't expect any detail prior to 2000. The crazy part is that when you pick out the juicy PPI bits from the SAR and pack it off back to Lloyds as part of a claim, they deny all knowledge Arghhhhhhhhh!!! I hope your claim works out better Brett
  14. I also had my claim to Lloyds kicked back quoting the same excuse of no PPI found. It appears to be their standard initial response to oldie claims as they cant be bothered to trawl through their records and hope that the claimant will give up. I was also on a debt management plan (now paid up) but I dont think that had any bearing on how Lloyds processed the claim. My claim related to credit card PPI dating back to the nineties and early noughties. They only supplied stuff from year 2000 on my SAR but were able to provide earlier summary card info when I phoned the SAR dept. I even included in my claim the relevant SAR copy statements with the PPI highlighted but this of course was totally ignored when it came to the standard rejection letter being issued. The claim is now with FOS so I have a good year to wait before any further developments. I am slightly more optimistic about two similarly aged Halifax claims issued at the same time and also based on SAR supplied documents - the claims were acknowledged and not rejected outright so with the 8 week deadline looming, I am hoping for some better news ... Brett
  15. Lloyds initial response has been to dismiss my claim on the grounds that they could find no evidence off PPI in their records, despite PPI premiums showing clearly on the copy statements which I included with the claim. This smacks of the standard first refusal letter tactics employed on bank charge claims a few years back in a vain attempt to deter people from pushing their claims further. It does not wash with me so the claim has been whacked off to the fossie boys to do their business, hopefully wit a successful outcome. Halifax have acknowledged receipt and are still deliberating .... Brett
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