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Please does anyone have the copy of the policy details, t&c's of Lloyds TSB Credit Card PPI for approx 2001/02 ?
I have been send a copy of the agreement today and noticed a ticked yes for ppi, but cannot remember much about this, even though I was a Homemaker, and ticked a homemaker so don't know how this would have covered me anyway.
This was paid off in 2004 in full and the letter I received today was to inform me they do not believe this was mis sold but if I have further information to help reconsider the complaint.
(As I had requested for a refund due to believing I was mis sold the ppi), and with only learning over the last year of all the mis selling I remembered about this one.
I used to think insurance was a part of any agreement, such as loans, credit cards etc.
Any info will be a great help for me to get the ball rolling here again, I have mis laid the T&C's and policy details for that year above due to moving house since.
As it was a few years ago (2001) I have possibly mislaid these documents, but am in the process of requesting on a basis of a SAR etc, but again its 7 years now and not sure what they would have on me.
However, with the letter they did send me a copy of the agreement, so that says they still have information.
They did state on the letter we were sent the above, but they did not send me a copy of these with this letter and agreement the other day.
What gets me is that being a 'Homemaker' where would I be eligible for PPI ?
And to what I can recall is that nothing was asked or advised and believe then this would not have been advised.
Even though my hubby works etc I was not an additional holder but sold this as an individual where I only received my children's benefits.
So not certain where I would stand in this situation is not had a job in the first place to claim on.
I am just wondering, is the account now closed or open? I only ask as i think claims can only go back 6 years BUT that's not to say there's any harm in trying!!
Very useful information that is great thank you both, will check these out again later.
In response to your question Hopeful, I paid off in full in 2004 when we purchased our home, and obviously borrowed the extra on the mortgage to clear this out of the way.
Basically when I paid this off I sent a letter to let them know I would now like to cancel, this was sent by recorded delivery, and I know it reached them, however I did not receive a reply but just assumed that would be it, and no more cards will be sent.
I did wonder though after why I was still receiving statements, even though they stated nil balance, so ignored these, but now I realise how silly I must have been because the letter i received the other day stated PPI is still in force if I would like to cancel and funny enough a new card did come through the other month, same account numbers and everything, but again being stupid thought well I do not use it and the balance is still nil, so it got me thinking when I read the letter where is also stated if you would like us to cancel this please let us know....... .
I will see what comes back but did assume it was closed, and at least I suppose it works in my favour for the information I do need regarding the SAR. .
I will keep you all posted and will now check out those links you both sent me.
Thank you so much indeed.
Terms & Conditions/Lloyds PPI 2001
TSB Credit Card PPI
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