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Any thoughts appreciated on this one please!!! I have a loan with Lloyds which unfortunately due to financial difficulties is now covered by a debt management plan. All is well with the dmp and Lloyds recently made me an offer for an early settlement.
However, prior to this I CCA'd and corresponded with LTSB regarding the PPI on the loan which I believe was mis-sold (basically I was told that it would help my application, no-one told me that other options were available or that the sickness/life cover I had with my employer would assist in the event of illness/death).
Lloyds sent a reply to the CCA which all looks perfectly valid but they have never responded to the letters I sent asking for a response concerning the PPI. As I am in a DMP the PPI is not even valid but the T&C's say I am not entitled to a refund on the remaining premium in these circumstances.
Basically the loan was for £24k and there is approx £6.5k of PPI added to that so although I am happy to settle early, my aim is to try and get Lloyds to lower their settlement offer to account for the fact that the PPI was mis-sold. Is there a way I can get them to reply or do I just keep sending letters?
Lloyds TSB Strange PPI Behaviour or not??!!
which unfortunately due to financial difficulties is now covered by a debt management
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