advice please ppi

wheresmyhairgone · 7th March 2007, 13:07

hi

i,m currently claiming back bank charges from , lloyds,halifax and capital one.

i,m have just cancelled my ppi on my lloyds loan, i,m am self employed and realised that that this insurance is probably no good to me anyway.

i just found out that mine was a B.L.R.I. (business loan repayment insurance. firstly cane i still claim this back and if i can will somebody kindly point me towards a thread that explains what to do step by step.

the B.L.R.I. which was £775.28 was added to my loan. it was a 5yr loan and i of which i had 6months left. i was refunded £24.04.

how do i work out how much to claim back and the interest

i think i was falsely sold this because i have just realised i am paying out £20.58 a month to scottish widows for a similar policy.

scottish widows phoned me week after i got the loan, they are part of lloyds and i understand that the person who sold me the loan passed my details on to them.

wheresmyhairgone · 7th March 2007, 13:48

reidnet · 7th March 2007, 16:58

Hi,
Was the loan a personal loan or a business loan ?, I have spoken to an Insurance contact who has never heard of BLRI but presumes it it the same as PPI under a different name. It may be slightly different in the case of a business loan.

Hope that Helps

Ian

wheresmyhairgone · 8th March 2007, 00:41

hi sorry its late

i,m a sole trader with a business account. its a business loan but in my personal name. its called a fixed rate non-cancellable loan. if thats any help

reidnet · 8th March 2007, 02:10

If the terms and Conditions are similar to standart PPI I would have a go at this one.. Nothing Ventured Nothing Gained..

Ian

wheresmyhairgone · 24th March 2007, 14:33

Hi all
i sent my prelim letter for ppi on 8th march. I received a letter today from lloyds stating they have received my complaint and saying they will give the results of thier enquiry in 4 weeks. they have also enclosed a "voicing your concerns" document.

I also sent a prelim letter to lloyds for bank charges on the 8th march.

the letter came from: Andover Service
Recovery Centre
Charlton place
Andover
Hampshire
SP10 1RE

My problem is, i don,t know which claim this letter is revering too( ppi or charges) can anyone tell from the address or should i send the lba letters for both claims to the Andover address.

thanks

hellhasnofury · 24th March 2007, 14:38

Quote:

Originally Posted by wheresmyhairgone

Hi all
i sent my prelim letter for ppi on 8th march. I received a letter today from lloyds stating they have received my complaint and saying they will give the results of thier enquiry in 4 weeks. they have also enclosed a "voicing your concerns" document.

I also sent a prelim letter to lloyds for bank charges on the 8th march.

the letter came from: Andover Service
Recovery Centre
Charlton place
Andover
Hampshire
SP10 1RE

My problem is, i don,t know which claim this letter is revering too( ppi or charges) can anyone tell from the address or should i send the lba letters for both claims to the Andover address.

thanks

Hello, just carry on with your timescales not theirs

wheresmyhairgone · 24th March 2007, 14:42

Hi
Yes i will be but is that address for my ppi claim or my charges claim. is that the address for all claims?

hellhasnofury · 24th March 2007, 14:52

Quote:

Originally Posted by wheresmyhairgone

Hi
Yes i will be but is that address for my ppi claim or my charges claim. is that the address for all claims?

Ok keep your hair on

Intended joke

What a DORK am I.

I have just realised what you were asking. I don't know. But would presumme that all complaints go to Customer Relations Department
Livelylad has posted this address on the lloyds bank charges forum to send prelim letter and lba's
Customer Care
Lloyds TSB
125 Colmore Row
Birmingham
B3 3SF
Sorry I don't know is this helps or just confuses the issure further
Maybe give a ring

wheresmyhairgone · 24th March 2007, 14:58

sorry hell didn,t mean to be blunt. i just wondered if anyone else was familiar with the andover address. i didn,t send either of my prelims to it. and just wondered which claim they were talking about.

Keith22 · 25th March 2007, 12:10

Hi,

BLRI is Business Loan Repayment Insuance from LloydsTSB and is the business version of PPI. The terms and conditions are on the LloydsTSB wesite somewhere (don't have the link at the moment). I successfully reclaimed two refunds for these. I first wrote the stndarad letters asking for repayment of premiums and interest initially to my business manager. This escalated up to the area manager and eventually I had a final response from Customer Services at Bristol. I then took my complaint to the FOS alledging that the two policies had been missold to me and also that the terms and conditions should be disregarded as I accepted the policies on the advice of a Financial Services Professional (i.e. my business manager at the time) and he had not , as he was supposed to do, explained then fully to me. I won both cases with no probelms.

I hope this helps

wheresmyhairgone · 30th March 2007, 17:39

Hi
I,m just about to send my LBA letter for my ppi claim. I,m not very good at writing letters, can anyone point me to an LBA letter that i could copy and paste and change for my own use?

thanks

hellhasnofury · 30th March 2007, 17:57

Quote:

Originally Posted by wheresmyhairgone

Hi
I,m just about to send my LBA letter for my ppi claim. I,m not very good at writing letters, can anyone point me to an LBA letter that i could copy and paste and change for my own use?

thanks

Hiya baldy,

What did you say in your prelim, I would basically sent the same letter but amend and add

I personally would start it saying I am extremey knaffed off (edit that) disappointed that your have not responded to my request for repayment of mis-sold pppi.blah blah

Athe end I would state that you are now giving them 14days to reflect your request, there will no further communication from yourselve and you will submit a county claim against them

Have a look at my first prelim letter for ideas of what to say, I don't know what you said in your prelim.

You can post it on the site or PM for comment.

wheresmyhairgone · 30th March 2007, 18:06

Thanks little house in manc country. I probably copied your prelim lol

hellhasnofury · 30th March 2007, 18:33

Quote:

Originally Posted by wheresmyhairgone

Thanks little house in manc country. I probably copied your prelim lol

Cheeky bleeder

Your more than welcome

wheresmyhairgone · 30th June 2007, 19:07

Hi All
just about to fill in n1 form (bit late i know but i work away from home, and this is the first chance i have had). Its just occured to me that the letters i,ve been getting are from LLOYDS TSB INSURANCE. Do i put them as the defendants or leave it as LLOYDS TSB BANK PLC, seeing as the person who tricked me into getting this insurance worked for the latter.

wheresmyhairgone · 30th June 2007, 19:39

bump

any ideas anyone, i,m just about to pull what little hair i have left out

hellhasnofury · 30th June 2007, 20:04

Quote:

Originally Posted by wheresmyhairgone

bump

any ideas anyone, i,m just about to pull what little hair i have left out

Well hello Stranger,
I'm surprised that you have any hair left

Have you had any response from them at all. or are they just ignoring you

I personally would put the person that actually sold you the policy. and I think that would be lloyds tsb bank plc, because I think they own the insurance part.

Best wishes

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