DaisyGirl VS Lloyds

[daisygirl]

When I was 18 I was in my local branch of Lloyds when I used to bank with them and the girl behind the desk told me that I had already been pre-accepted for a credit card. Being 18 my response was "Yippeee".

She filled the app for me and when it came to the PPI section she told me I would have to take it because of my age, and if I didn't the card would be declined. Being young and silly and not knowing anything about it I signed up. As some of you may already know I work for another bank, started about 2 years ago and realised at that point I had been mis-sold. Cancelled the PPI straight away.

I know want to claim back any late payment fees that I may have had over the years but also want to claim back the money for the mis-sale of the PPI - I feel the staff member took advantage of me. Lloyds have told me on the phone that it's my own fault for signing up for it and they don't keep records that far back so it's my own tough luck basically.

Just looking for some advise really on how to go about claiming for this mis-sale - am definately gonna be claiming back the over limit charges but I am unsure about how to go about the mis-sale of the PPI claim because it was almost 10 years ago.

I'd be really grateful for any advice or support anyone can offer

Daisygirl xx

[reidnet]

I will PM you with some Info Daisygirl..

[daisygirl]

Hello all

Got my response letter from Lloyds....finally....toda y. They are "very sorry that I feel so dissatisfied with their service" then it goes on about how I could have claimed on the policy if I'd needed to ( I was a student for 6 of the 8 years I had the policy so no, I couldn't) and how I could have cancelled it if I'd wanted to when they sent me all the stuff through. But a representative from Lloyds had already told me they would cancel my card If I did that!!!!!

Firing off a second letter today telling them to get it sorted or I'm going to the Ombudsman.....see how it goes. Anyone else claiming PPI mis-sale on a credit card from Lloyds or have you done so in the past? Any advice would be gratefully received!!!!

[daisygirl]

Got second letter back from them today:

"Thank you for your letter blah blah blah

I am sorry that you should feel so dissatisfied with the response that you have recieved and that we have not answered all the points you have raised, which i hope to now do so.

1) I hope you will appreciate that we are unable to verify the discussion you had with a Lloyds TSB staff member with regards to payment protection cover when makling the application for a Lloyds TSB credit card in Sept 1998. Howerver, you have signed the application agreeing to the information provided.

2. You were sent a policy document when the Payment Protection Cover was set up, which clearly explains the insurance and cancellation policy.

3. The Payment Protection cover was clearly outlined in your monthly statements.

May I take this oppportunity to advise you that in view of the considerable amount of time that has passed since this matter occurred in September 1998, we are unable to look into this matter any further. Therefore, I must reiterate that we would not look to refund any premiums you have been charged. "

Am gonna contact the ombudsman but if anyone else been dealing with Lloyds re credit card charges I'd be grateful for any advice. I've just been on their website and got this from their credit card PPI terms and conditions

Unemployment (including Carer) Cover

3 This

policy will not pay for any unemployment that you were aware of at the

start date

. You will not be covered for any unemployment which we

reasonably believe

you knew was likely to happen, whether you had received

official notice or not, when you took out this insurance.
4 This policy will not pay for any unemployment that you were advised of or
which happens during the first 90 days following the start date.
5 You will only be eligible for unemployment cover once you have been in work
for at least six months.
For further details regarding your employment status and how this may affect
your

claim please refer to the ‘Employment Circumstances’ section.

I did tell the girl that I was about to start a university course in Oct 98 and would therefore be effectively unemployed so surely that alone is basis for a mis-sale? Plus they seem to be saying it was so long ago that they ripped me off that they've gotten away with it now so it;s my own tought luck!!! I only realised what this PPI actually was when I started to work in a bank, and believe you me there are mega rewards for staff who sell these policies. Any help or advice, especially from anyone going through this with lloyds at the mo or who has won would be so gratefully appreciated!!

DaisyGirl xxx

[hellhasnofury]

Originally Posted by daisygirl

Got second letter back from them today:

"Thank you for your letter blah blah blah

I am sorry that you should feel so dissatisfied with the response that you have recieved and that we have not answered all the points you have raised, which i hope to now do so.

1) I hope you will appreciate that we are unable to verify the discussion you had with a Lloyds TSB staff member with regards to payment protection cover when makling the application for a Lloyds TSB credit card in Sept 1998. Howerver, you have signed the application agreeing to the information provided.

2. You were sent a policy document when the Payment Protection Cover was set up, which clearly explains the insurance and cancellation policy.

3. The Payment Protection cover was clearly outlined in your monthly statements.

May I take this oppportunity to advise you that in view of the considerable amount of time that has passed since this matter occurred in September 1998, we are unable to look into this matter any further. Therefore, I must reiterate that we would not look to refund any premiums you have been charged. "

Am gonna contact the ombudsman but if anyone else been dealing with Lloyds re credit card charges I'd be grateful for any advice. I've just been on their website and got this from their credit card PPI terms and conditions

Unemployment (including Carer) Cover

3 This

policy will not pay for any unemployment that you were aware of at the

start date



. You will not be covered for any unemployment which we

reasonably believe



you knew was likely to happen, whether you had received

official notice or not, when you took out this insurance.

4 This policy will not pay for any unemployment that you were advised of or
which happens during the first 90 days following the start date.
5 You will only be eligible for unemployment cover once you have been in work
for at least six months.
For further details regarding your employment status and how this may affect
your

claim please refer to the ‘Employment Circumstances’ section.

I did tell the girl that I was about to start a university course in Oct 98 and would therefore be effectively unemployed so surely that alone is basis for a mis-sale? Plus they seem to be saying it was so long ago that they ripped me off that they've gotten away with it now so it;s my own tought luck!!! I only realised what this PPI actually was when I started to work in a bank, and believe you me there are mega rewards for staff who sell these policies. Any help or advice, especially from anyone going through this with lloyds at the mo or who has won would be so gratefully appreciated!!

DaisyGirl xxx

Hello Daisy,

They are truely frustrating aren't they, but keep plugging at them. Write to them again quoting their own terms and conditions re employment etc.

These banks did run a incentive for their emplyees to hard sell ppi, and they had to hit targets.