Thread: PPI Lloyds TSB FOB OFF LETTER - help

Hi to all, Help needed for this one please.
I have already done the SAR for my Lloyds tsb credit card and been successful in reclaiming back the late payment fees (although I didn't at the time charge interest because was unaware I could). Looking thru the statements I noticed PPI, which I now vaguely remember a heated conversation on the phone with them demanding they remove it (a couple of years in) as I realised I would not be able to claim under their T+c's as I was self employed. I have now requested the PPI back plus the CI and have received a get lost letter and a copy of my original agreement with my signature on it and the box ticked for accepting PPI. My memory is vague on this as it was dec 2002 but my policy has always been to refuse any kind of ppi on anything for the length of time Ive been self empld-20 years!!
Their letter states
When the cover was arranged we sent you the policy document which explained in detail the t+cs of the contract. The policy document alsoasked you to ensure the cover met with your requirements and that you had 30 day cooling off period. ....... it is your responsibility to read and understand the T+Cs.
I should also explain that the premiums have been shown on your statements so you have always had the opportunity to query and cancel if you felt it unsuitable (which I did)
They go on to say that although Im self empld it did not exclude me from the unemployment section of the policy or the life benefit or Positive Jobs solutions (whatever that is). They go on to say this is their final response so basically bugger off.

Im an entertainer- singer, so them getting me a job would be laughable. Only now have I found out that it truly would not have covered me (as my gut feeling has told me for all these years) and I honestly believe it was missold as they knew I was self employed when I took the card. I also have no recollection of agreeing to the PPI (which I doubt I did) and that the 'tick' could have been placed in the box after id signed.

What do I do now??????

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Originally Posted by aztecmusic

Hi to all, Help needed for this one please.
I have already done the S.A.R - (Subject access request) for my Lloyds tsb credit card and been successful in reclaiming back the late payment fees (although I didn't at the time charge interest because was unaware I could). Looking thru the statements I noticed PPI, which I now vaguely remember a heated conversation on the phone with them demanding they remove it (a couple of years in) as I realised I would not be able to claim under their T+c's as I was self employed. I have now requested the PPI back plus the CI and have received a get lost letter and a copy of my original agreement with my signature on it and the box ticked for accepting PPI. My memory is vague on this as it was dec 2002 but my policy has always been to refuse any kind of ppi on anything for the length of time Ive been self empld-20 years!!
Their letter states
When the cover was arranged we sent you the policy document which explained in detail the t+cs of the contract. The policy document alsoasked you to ensure the cover met with your requirements and that you had 30 day cooling off period. ....... it is your responsibility to read and understand the T+Cs.
I should also explain that the premiums have been shown on your statements so you have always had the opportunity to query and cancel if you felt it unsuitable (which I did)
They go on to say that although Im self empld it did not exclude me from the unemployment section of the policy or the life benefit or Positive Jobs solutions (whatever that is). They go on to say this is their final response so basically bugger off.

Im an entertainer- singer, so them getting me a job would be laughable. Only now have I found out that it truly would not have covered me (as my gut feeling has told me for all these years) and I honestly believe it was missold as they knew I was self employed when I took the card. I also have no recollection of agreeing to the PPI (which I doubt I did) and that the 'tick' could have been placed in the box after id signed.

What do I do now??????

Hi there.
Just to say do not worry at this stage.
I too had exactly the same letter and is a standard fob off, more than likely a template they use.

I was a housemaker with 2 children although hubby working but this was my own card, they made the same excuse about job solutions, hospitalisation and so but don't let this put you off.

Mine is now with the fos waiting to be passed onto an adjudicator, and with mine they had marked the part for the cover and was not explained anything about this.

This was however in 2001 and all settled in 2004.

Keep going hun and don't let that standard fob off template they always use put you off, you will get justice in the end. Good luck anyway.

Di.
x

Does not matter if you signed or not the fact is you where self employed and if they did not make you aware of that very important fact mis-sold end off.

As i see it the PPI industry have a duty to ensure that the ppi policy is fit for purpose.

Regards

Leon

Many thanks you guys for all your advice and replies. Will head onto the fos, Was just unsure whether to go to court or the FOS.
Will try one more letter to them just to see if they reply. I have their direct fax no, so i fax them - its quicker.
Thanks again x