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Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
Excellent good find
This is the bit that excites me the most which is what each bank/creditor relies on heavily in their computer generated replies to complaints.
The watchdog said there was no defence in claiming that the details were explained in subsequent paperwork.
The watchdog meaning the FSA this is a fantastic statement for us all this can used on template letters.
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
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
Another One Bites the Dust
Its been a long hard slog for many CAG Members fighting this [problem]., But well worth every second I have myself spent on this.. And I aint near Finished Yet..lol
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
Was wondering, as many have had these policies (PPI) etc from LV prior to 2005, they would not get an automatic refund, like the customers who were mis sold between the dates of Jan 2005 to Jan 2008 would these stand a chance of a possble refund too if requested ?
Because I am aware of some people believed they were also mis sold before those dates.
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
i think it would be hard for them to prove it was fair before Jan 2005 in front of a judge.
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
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
Originally Posted by adamski
i think it would be hard for them to prove it was fair before Jan 2005 in front of a judge.
Yes true.
My hubby was lucky with his with LV, he realised when looking through some paperwork PPI was added, this was taken out in 2003, he complained a few months ago and there were no quibbles, they paid out within 3 weeks of the complaint letter he sent, so I just thought if others had a chance it may be worth them trying to pursue if they believed they were mis sold prior to the stated mis selling dates.;-)
I know this would be a priority for them to pay out to the ones who had taken this from 2005 and 2008, and with a bit of luck as I know of some who feel they were mis sold prior to those dates will be lucky, fingers crossed.
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
I think the fine is great news for us all but i do have this one criticism of the FSA, in the grand scheme of things LV is small fry, they sold a tiny proportion of loans and I wonder why the FSA didn't go for the 'big guns' as after all they all appear to be miss selling PPI. From the reports I read LV told the FSA of the problems it wasn't like they were 'caught' miss selling. Either way it sets a great example of the consequences when you get it wrong so hopefully the key players will be urgently reviewing their processes and selling tactics for the benefit of all of us.
Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
Hi louLou - The FSA have hit some of the big players ..eg GE Money..Loans.co.uk etc. More will almost certainly follow too..
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
The Consumer Forums
Liverpool Victoria Banking Services (LVBS) has been fined £840,000
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Re: Liverpool Victoria Banking Services (LVBS) has been fined £840,000
(As Seen on TV) 
Originally Posted by adamski
