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Am having big problems at the moment with TSB over trying to pay my loan after changing to a different bank and they are refusing now to accept payment. Have a thread going for this in Lloyds forum.
Anyway have been so p***ed off with them and after reading a lot of postings on here I am starting to believe that I was mis-sold PPI. I took out a loan for £9,000 in about September 2004. I only wanted a £1,500 loan for a deposit on a car but the rep said that as i had a Lloyds credit card I would probably be overstretching myself with payments on this and the loan and it would be better to increase the loan to pay off the credit card. I agreed as i was only making the minimum payment on the credit cards and as the rep pointed out this would never pay off the card but the loan would be paid off in 4 years and debt free. When he started talking about PPI i told him ok as we were trying for a baby and i intended to take 12 months off but when he told me that it did not cover maternity leave I told him that there was no point i would be paying for something that i could not use. He told me however that on a loan of this amount I had to have the PPI. Stupidly I never questioned this and have continued to pay £300+ since. Having read many threads relating to Lloyds TSB this seems to be what a lot of people have been told. Anyway with all the problems I have had with them since my bank account was changed I have missed about 7 payments (because they refuse to take money from my new account and refuse to accept payment by internet banking or into my TSB account which is still open) but I was concerned when I was informed that the balance on the loan was still £5,500! As a result I have sent a S.A.R. and a CCA request. The C.C.A. request went into default early this week and i have heard nothing from them so waiting with bated breath to see if I get a response to my S.A.R.
Any comment no the above would be great as I am new with this PPI stuff and am not feeling very confident.
Am having big problems at the moment with TSB over trying to pay my loan after changing to a different bank and they are refusing now to accept payment. Have a thread going for this in Lloyds forum.
Anyway have been so p***ed off with them and after reading a lot of postings on here I am starting to believe that I was mis-sold PPI. I took out a loan for £9,000 in about September 2004. I only wanted a £1,500 loan for a deposit on a car but the rep said that as i had a Lloyds credit card I would probably be overstretching myself with payments on this and the loan and it would be better to increase the loan to pay off the credit card. I agreed as i was only making the minimum payment on the credit cards and as the rep pointed out this would never pay off the card but the loan would be paid off in 4 years and debt free. When he started talking about PPI i told him ok as we were trying for a baby and i intended to take 12 months off but when he told me that it did not cover maternity leave I told him that there was no point i would be paying for something that i could not use. He told me however that on a loan of this amount I had to have the PPI. Stupidly I never questioned this and have continued to pay £300+ since. Having read many threads relating to Lloyds TSB this seems to be what a lot of people have been told. Anyway with all the problems I have had with them since my bank account was changed I have missed about 7 payments (because they refuse to take money from my new account and refuse to accept payment by internet banking or into my TSB account which is still open) but I was concerned when I was informed that the balance on the loan was still £5,500! As a result I have sent a S.A.R. and a CCA request. The C.C.A. request went into default early this week and i have heard nothing from them so waiting with bated breath to see if I get a response to my S.A.R.
Any comment no the above would be great as I am new with this PPI stuff and am not feeling very confident.
Thanx
Hello Dotty,
You are doing just fine, You have sent for your SAR and a copy of your credit agreement.
Nice to hear that they are already in default with the ca.
Do you have evidence that they will not accept your payments
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Yes i have evidence. When they didn't collect the first payment from my new bank account I got a letter from my new bank telling me that Lloyds TSB would not collect the payment. I tried phonong them but got indian call centre but got nowhere with them so I wrote to head office sending a copy of the letter I received from my new bank. They couldn't deny they had refused to collect the DD/SO they apologised and made a goodwill payment of £100 into my account for inconvienience caused to me. They also gave me a telephone number of the centre who could help me set up new payment facilities but again went round in circles them telling me payment can only come out of a select account by DD/SO so off my own back I then started transfering money to my old TSB account which was still open. I would transfer half the payment and as my CB and tax credits were still being paid into this account this covered the whole loan payment. I did this for about 4/5 months then in december i received a call from benefits who said that lloyds were now refusing to accept my benefits payments I also received a call from my new bank to say that the payment that i had sent to Lloyds for the other half of the payment had been rejected and returned to my account!!! so now no way at all of paying . Have written again when I sent my S.A.R. so who knows what response I will get. Not to bothered at moment as CCA request is in default so am just sitting tight until I hear/i month expires.
Yes i have evidence. When they didn't collect the first payment from my new bank account I got a letter from my new bank telling me that Lloyds TSB would not collect the payment. I tried phonong them but got indian call centre but got nowhere with them so I wrote to head office sending a copy of the letter I received from my new bank. They couldn't deny they had refused to collect the DD/SO they apologised and made a goodwill payment of £100 into my account for inconvienience caused to me. They also gave me a telephone number of the centre who could help me set up new payment facilities but again went round in circles them telling me payment can only come out of a select account by DD/SO so off my own back I then started transfering money to my old TSB account which was still open. I would transfer half the payment and as my CB and tax credits were still being paid into this account this covered the whole loan payment. I did this for about 4/5 months then in december i received a call from benefits who said that lloyds were now refusing to accept my benefits payments I also received a call from my new bank to say that the payment that i had sent to Lloyds for the other half of the payment had been rejected and returned to my account!!! so now no way at all of paying . Have written again when I sent my S.A.R. so who knows what response I will get. Not to bothered at moment as CCA request is in default so am just sitting tight until I hear/i month expires.
Thanx
This all adds fuel to the fire:grin:
You are now compiling a excellent case together, there are more ways to skin the cat (yuk):grin:
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
I work for a BBC1 consumer affairs programme called "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues that have arisen between consumers and companies.
Having read your story, we would be extremely keen to hear from you to see if there is anything we might be able to do to help.
If you would like to talk to us, please get in touch at:
I work for a BBC1 consumer affairs programme called "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues that have arisen between consumers and companies.
Having read your story, we would be extremely keen to hear from you to see if there is anything we might be able to do to help.
If you would like to talk to us, please get in touch at:
Dotty v LLoyds TSB Loan PPI
forum.
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Originally Posted by Dotty111
