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Hi I hope you will be able to tell me to forget it or to chase it.
I started a business and borrowed £30k (the advisor said it would be quicker than remortgaging my home) from Lloyds TSB in 2005, It was a limited company and I was the only director and Lloyds told me I was personally responsible for the debt, I could not wipe it clean, even though the business went bust - I checked this out and I was personally responsible, so I gathered all the money together as soon as the business officially closed and paid them in Nov 2007.
Ok, so I paid them the full amount as soon as I could which was last year. I complained about 1 year ago about the fact that I had to pay £3k for an insurance policy which I would not use, they said no insurance no loan.
I was self employed so could not claim in any case.
I have read some info here and feel that I may have a case against Lloyds TSB. I have requested the SAR and they have said that they will not give it to me because Limited Companies are not covered under the Data Protection Act, is this true?
I have asked for some information from the Ombusman and they have sent me some forms, do you think I have a case? If so, what shall I do??
Please ask me any questions because I am not savvy in this and just wanted them off my back, but I feel I should not let them get away with it. If I am in the wrong, it will be a lesson learned.
Please can you give me your views?
Thanks in advance
I would ask them for a copy of the credit agreement, im sure they have to comply with this, it should show if you signed for the PPI, also you have a case because you were self employed.
Do you have it in writing that they said no insurance no loan or just verbally?
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Thanks so much for your reply Adamski!
I have had their Full and final response stating that the insurance was not mis sold. They told me verbally that if I did not take the insurance I would not be able to get the loan.
I remember calling the advisor when I re read the small print, asking them to cancel the insurance and the loan because I found out that I could remortgage the house instead of borrowing the money from the bank, thus spreading the payments over 23 years instead of the 5 year loan Lloyds offered me.
I was self employed and they know this because I have another business account with them that is a limited company and also I am listed as self employed.
Do you think I should call it a wash? Or do you think I should pursue it with the ombusman?
I think you have a case due to the self employment issue, the insurance was simply not suitable for you, read up as much as you can on this forum and use anything you can to your advantage, I would read this lnk about complaining to the FOS first and then study the stickys on this PPI forum, it is quite hard work, and the bank want you to give up becuase they know how hard it is.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Thanks again Adamski, I will do everything you mentioned and will plough on, I just didnt want to waste my time if I didnt have a case.
Thanks for your help, its great that people such as yourself, take the time to help other people like myself that do not have a clue!
Have a great evening.
Kind regards
Kelly
I think you may have to pay for any documents regarding the PPI as a SAR is only for individuals I think the bank are right there, but it will not hurt to ring them and ask them if they will supply you with documentatiuon regarding the PPi..
No problem Kelly. glad to be of some limited help to you, I am at the moment getting my complaint going with fos, so i know how you feel.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Hi, yes, they are going to send me my personal SAR, but they will not for the limited company, because they said that it does not apply in this case, they are also sending me out the customer care leaflet and have basically said that they do not have a case to answer. I can feel free to pursue it with the relevant bodies. So its a case of either leaving it or writing a letter to the relevant body.
Ok Kelly
You have two options, either you can make a complaint to the fos or whoever they tell you to complain to or you can go striaght to court there are some POCs on this forum you could use. Lloyds are arrogant and think they are always right even when they act unlawfully, a complaint ot the FOS takes time upto 10 months so it depends on how much of a hurry you are in to get this sorted.
Lloyds normally only respond to court action, but its up to you really.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Hi, thanks again for your help, I am in no hurry at all and I would rather go the cheapest route, just in case they say that Lloyds are right. I think fos would be the cheapest, because it is just detailing what happened and letting them decide.
If I have to go to court, it maybe expensive and time consuming.
Great, thats what I am doing just about to post of my complaint to the FSA regarding those muppets at Black Horse who are the sub prime arm of Lloyds, i have been fighting Lloyds now for 2 yeards and have claimed back £2500 so far, but they are arrogant and hard work, they always go to the wire and give you no option but court action, good luck with fos.
I can see me taking them to court again several times.
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
I have read some info here and feel that I may have a case against Lloyds TSB. I have requested the S.A.R - (Subject access request) and they have said that they will not give it to me because Limited Companies are not covered under the Data Protection Act, is this true?
It was a limited company and I was the only director and Lloyds told me I was personally responsible for the debt, I could not wipe it clean, even though the business went bust - I checked this out and I was personally responsible
looking at the two quotes above Limited Companies are not covered ny the Data Protection Act 1998 and in the same breath you were personally responsible for the debt (not the Limited Company) I am no lawyer or legal expert but I reckon they are trying to fob you off.
You see you were responsible not the Limited company.
Did you send a full SAR with the Statutory £10.00 fee?
As an individual you are entitled to receive copies of all data that is relevant to you from the data controller (in this case the Data Protection Officer for Lloyds TSB) who has the information. My belief is that this would be whether you are running a company or Prime Minister etc.
I would double check on this with the Information Commissioners Office (ICO) Telephone numbers are: 01625 545745 or 08456 306060 or with the Financial Ombudsman Service (fos) Telephone numbers are: 020 7964 0500 or 0845 0801800.
Do I have a claim against LLoyds TSB?
TSB in 2005, It was a limited company and I was the only director and Lloyds told me I was personally responsible for the debt, I could not wipe it clean, even though the business went bust - I checked this out and I was personally responsible, so I gathered all the money together as soon as the business officially closed and paid them in Nov 2007.
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Re: Do I have a claim against LLoyds TSB?
