Thread: PPI Lloyds TSB

Hi, im yet another newie to the forum.

first off i was successful with my bank charges reclaiming, it took little effort just 2 letter and Lloyds TSB refunded most of what i was asking for.

i thought this behaviour by the banks was bad enough, but hearing about the PPI's as well............what can i say. i thought it was off at the time but hard sell and advise from the seller that i needed to take the PPI to ensure i got the loan approved, i folded.

more recent, sent of 2 letters to reclaim. first letter came back. 'sorry but you are out of luck, you reclaim is time barred as the PPI and loan was over 6 years ago' (January 2000)

however the loan and product were over a 5 year period. final payment made November 2004 which is within the last 6 years. so i wrote a second letter advising that included in the first was misinformation about the 6 year rule. second letter came back' buzz off you have no hope, take it to the fos'

my question is there anyone else out there going through this process at the moment and if sim. circ. how did you manage to resolve it.

i intend to pursue this matter if i can, but need advise on where to take my complaint next if the FOS wont deal with it becasue of the time bar rule. the really annoying thing is that Lloyds TSB are not even denying the mis selling of my PPI, but are relying on the 6 year rule to block my right to reclaim.

there must be something i can do.

Similar Threads:

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• http://www.consumeractiongroup.c o.uk/forum/lloyds-bank/77069-fluffycloud-lloyds-tsb-b
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Hi again

quick update on this one. send formidable letter from template (amended to suit my own circumstance. to my utter disbelief the response was an exact copy of letter number 1 that was sent to me. i dont think my latest letter has been read, LTSB still think i will be referring the matter to the fos when clearly my letter stated court action. at least this time the envelope contained an FOS leaflet which i wont even bother with.

so courts here i come.

it turns out that i have 2 over 6 years with Lloyds and 1 within 6 year with C&C. i honestly dread looking through my other paperwork with other companies because of what i might find.

having checked through many threads there seems to be mixed views about applying to small claims on line. is it 6 of 1 and half a dozen of the other?

Thread moved ..

thanks ever so much for you advice. very much valued. my letter number 3 did cover the issues about their failure to disclose and dismissing their defence of the limitations act, which is why i dont think this 3 letter was actually read. they have taken no notice of these points and sent out another standard letter.

maybe what i will do is get the name of the person above the team manager for my area and copy them into whats gone on so far. i do think it unreasonable that the person i have addressed letter 3 to, did not take the time to respond and handed my complaint back to the original advisor who obviously does not have the power to deal effectively with my complaint.

by the way did you watch Martin Lewis programme tonight on PPI's? he made it look very easy, too easy. i hope the banks/mortgage etc companies have got themselves extra staff in to deal with the flood of queries they will be getting on Monday morning

thanks HHNF and Shirl

Hi Ukaviator

sorry you had to move the threat did i post it in the wrong place? this may sound really stupid but where has it moved to?
i have awful trouble finding stuff sometimes ie when i click on todays post, i only get 5 pages but those 5 pages may only cover the last couple of hours, where are the posts for earlier in the day? i have tried FAQ's in the hope that it's not just me that has trouble getting around the site, but in all honesty couldnt find the answer, so am still stumped.

now i know this particular response doesnt fit this particular thread, but i have no idea where else i would post it. honest to god this is not some kind of wind up.

by the way just so everyone will know who they have to deal with, how do i change my account name from Lindyhop to Dimwit?

apologies again

Thanks HHNF

but i do feel a bit thick. i thought that i had already posted in PPI section so couldnt understand where it was i being moved to. dherrrrrrr

so is it right? to keep updating i just keep finding myself and post reply to myself and do not start a new thread unless it is on another topic? other forum members will see if they open up a thread that my post has some new comment because it is posted that day? (dear god i need me horlicks)

you wouldnt think that i held a responsible position at work (well you would be right ) .

once i get the hang of this im going to have to try and find my bits that i have posted all over the place and put them right before i get chucked off this site.

anyway i have sent off for my SARs im a bit of a horder so, have the paperwork provided to me, about the loans. however checking through my papers i note that i do not have copies of agreements with my signature. there is no way i would have thrown any of these out, im pretty tidy about that kind of thing. strange how i dont have a single copy of anything signed by me for my own records. this cant be right?!!

anyway back to the SARs i sent of the cheque and request to LTSB but not the insurance office which has been looking into and denying my reclaim. i did this becasue it was Lloyds and not their insurance team that sold me the loan and PPI, plus as i do all my banking with the normal office that their would hold all my records and not the insurance sub office. dont know if this was the right thing to do, but i will happily pay another £10 to chase the insurance team if need be.

i havent applied for any cca's in truth becasue i already thought i had them, . but as mentioned no copies of agreements with my sighature and outlining terms and conditions that i have signed and agreed to. i will get the letter done this weekend to resolve this. one of the loans is over 10year (mortgage) but as it is still being paid i would have thought it was essential for them to still keep the cca until i have cleared the debt. another of the loans is from 2000, so i bet seeing this is the first one i am claiming for the paperwork on this will have been conveniently lost, but a least with this one (the one they actually told me about and make me take) they included the cost of the PPI but added it to my loan.

do you know this evening has been quite a treat, i was so disheartened after having received another standard letter. this really is a wonderful site for the support and information to keep me going.

Thanks HHNF
night night

update

have been a bit cheeky and replied to the standard letter received yesterday. my letter no 3 was personally addressed to a manager at ltsb, the response was not from her or acknowledged that someone was responding on her behalf, so i wrote back stating that i would not accept the standard letter as a proper response, requested that the person the letter addressed to or another of the same standing reply by the 5 November (14 day reply limit - plus a bit extra actually as not sure how long recorded delivery takes).

followed HHNF advice and including shorter details about their defence of time limitation being rubbish, that i was not intending to refer the matter to the fos (who they appear to think is the only agency i can take my complaint to), but to court.

feeling quite militant (well until i get yet another standard letter back anyway ). at least they respond with the 'get stuffed' within a week. following Martin's programme last night it may take them a lot longer to respond because they will be inundated with claims for current refunds.

i dont mind too much though as this will give me time to sort out my POC? my letter 3 was the 'before action' letter. having checked the guide i dont think that i have missed anything have i?

another thing they said that they had tried to phone me, but i work and they only have my home number (how would the idiots expect to get me?) anyway is it other forum members experience to have them phone you up to tell you to get stuffed? what would be the purpose? do they ever want open up negoitation when they phone you? whats that all about then?

do i want to give them my work number? hell no, open plan office not convenient, or conducive to my showing my unprofessional side and giving them what for down the phone - would i? .

thought id have a look at the POC paperwork templates and amend as necessary for my PPI. but christ it looks more complicated than i would have imagined. my understanding is that i will be using a some of the info from my prelim letter, stuff from the limitations act, some of the FSA reccommendation stuff i should imagine, but i am stumped when it comes to the terms /regulations etc. do i use the insurance group terms or use the bank terms? it was someone at the bank that sold me the policy not someone from the insurance group side, or are they one and the same? additionally where do i find the regulations i need to refer to? is this with the fos/FSA? or some other banking/insurance code?

why do i want to do this at this stage and not wait. (refer earlier post's) the POC looks like it will take me some time to prepare. i have a little bit of time for the preparation now, if i can get the bulk of it done i can refer back to my saved draft later and fill in the blanks when i need the doc. i dont want to be in a position whereby i am possibly feeling rushed and possibly omit or get things wrong on this type of court document. through years of training at work i have had knocked into me preparation, preparation, preparation, and in this circumstance the preparation ethos definately applies as i am fully aware of the immense forthcoming battle with Lloyds which i am treating exactly as i would a work situation where i sometimes do presentations at court, (but not on this subject matter). (county court - not the big boys)

it may seem that i am getting ahead of myself, but all i am doing is preparing for an eventuality, which unfortunately in my personal life i dont and/or dont get the opportunity to do often enough (isnt this the same for us all?)

anyway all advice welcome.
when complete will post draft for amendment/comment/correction for other forum members to laugh at or use as they see fit teehee

Hi HHNF

i have tried to look up the slinibucks posting and could not find it. is it under any other named thread?

thanx

Hi Jivebunny couldnt find slinibucks either, but that doesnt mean anything, im still trying to work my way around this site. HHNF has vast experience of this site and will get back to us when able.

HHNF, read on another thread which i have lost and cant find now, your post on PPI and your conc.

have thought about this i looked into a stand alone ppi to cover my mortgage and secured loan. on line checked with the post office and the monthly payments would be cheaper, i wouldnt be tied in for years, no single premium being sold so no years of added on interest.

however they would only pay out for a year. my employment covers sicknes for that period of time anyway, which appears to be the main purpose for most ppi. sorry and Life Insurance, which for me is n/a.

their maybe other stand alone ppi's out there and if i shopped around a bit more may find cheaper than the post office. now that the ppi [problem] has been brought into the open main lenders will hopefully become more competitive and upfront about their selling of these policies.

in the meantime cant wait to get the info on my enforced PPI's from Lloyds, cant wait to see what it is that i have been paying for. (wait a minute have i asked for it? is it included as part of the SAR's or CCA?)

has anyone ever seen a full copy of what their ppi covers (especially at the time of purchase)

Hi HHNF

thanks for getting back with the info and providing the link

had a look at Skbuncks thread. excellent. given me some more to add to my POC and help it look a bit more professional.

checking through threads again this evening alarmed to learn that they may be bank staff reading through these and not to use proper full names. i m such a bleedin innocent (where this is concerned anyway ). maybe wont post my draft POC on forum but will PM you with it to you if you would still like a look?

oh yeah had a look at 'Martin's site' apparently his site was sabo' ed for 3 days which affected the PPI backlash taking off as expected (people were coming up with error page). this apparently co incided with the programme going out - and there was me hoping the finance insit would be swamped , but at least it means that the instit's wont have an excuse for not responding to exisiting enquiries quickly.

Shirls

Hi

update yeah right what update. ltsb have obviously placed me in the 'to be ignored tray' over 12 days now for CCA. not even an acknowledgement. it looks like my request for my SARs (seperate request made a different time) being ignored as well.

Oh LTSB if only you realised how lonely i feel without your telling me to p off letters. Sad cow that i am.

phone banking are still talking with me though, and remain very nice and helpful, even when i tell them to bog off when they try to sell me a new product.

so its the waiting game, and im impatient as i need these docs to finish off my POC

started prelim with C&G PPI this one not timed barred as i will be paying off this loan even after im dead (just dont ask how ok,) if im buried with a mobile, no doubt i will get the harrassment calls whilst enjoying enternal rest in my coffin. even worse though, what if LTSB/C&G debt dept have direct lines straight to heaven and hell? doesnt bear thinking about. but imagine it.

God. 'Shirley there is a telephone call for you'.

Shirley. 'oh, thanks God, but who is it, im busy stitching one of my angel wings back on, after it got pulled off in a tussle with that old loan advisor i was telling you about, you know the one that works for LTSB and who wouldnt agree to my getting my mis sold PPI back'.

God. 'oh, right i remember. no need to worry though Shirls, i've put the loan advisor git downstairs well anyway shirls, back to this call its someone else from LTSB debt collection team, something about money owed and not left in the secret place you wrote and told them about before you popped your clogs.......... '

i told them exactly where they could go find their money alright

what joy! Not!

Hi its me back again!!!

looks like i peaked too early with yesterdays post(never had this problem before )

anyway got home this evening and low and behold 2 lettters from my secret admirers - Lloyds TSB. crickey, hands rubbed together in anticipation. oooohhhh. felt weight of envelopes.......ummhhhhh a bit on the light side. feels like another copy of the bleeding fos leaflet. what the....

open up (please god dont let me have gone overdrawn again ) . oh whats this? it's print out charge statements going back to september 01. what a complete and utter waste of time l already have these, having kept my own.

There is no way im paying £10 for informtion i already have. Plus the durrs have sent the same info twice in seperate envelopes. one dated 24/10 and the other dated 30/10/07 and arriving on the same day. whats that about? the durrs have failed miserably in sending me any notes, transcripts, archived stuff, agreements etc etc the stuff i had actually asked for.

is this a new game? play dump? (no not me. them - the durrs)

so annoyed couldnt be asked to cook my tea (my cooking is actually pretty disgusting and i will use any excuse not to eat my own cooking) sent out for a chinese and took the time whilst waiting for the food to arrive to check on the site for non compliance letters. Must say guys there really are some lovely ones, joined amended pasted together a 3 page tome to be faxed and recorded delivery tomorrow. (with my love and kisses of course).

whaaat a bleedin liberty LTSB are taking.

and whilst im off on one, wheres my CCA for my PPI? the insurance part of Lloyds is well out of time. i dont think they are taking this lover seriously you know. bunny boiler. huh - they havent seen anything yet wait till i get hold of their black horse . sorry animal lovers. just jesting

oh yeah. the chinese was lovely. thanks. the meal. oh year the meal was ok too

Shirls