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Mum has a loan with Lloyds she took it out circa Feb 2004 and at the time she was pressured into taking out PPI. She told the man that she works for local goverment and if she is made sick then she gets 6 months full pay and 6 months half pay, she also get a payment from her union. The man advised that she still needed the PPI, so she took it.
A few weeks ago mum was put on the sick by her doctors, unfortunately its going to be long term. She has spoken to Lloyds about her PPI and they say she needs to ring back in a few days to make a claim, but the person she was speaking to didnt think she would be able to make a claim as she was would be receiving her pay, despite it being sick pay.
The PPI only covers you for the first 12 months sick, so has the policy been missold to my mum, as she would be in receipt of sick pay/wages for atleast 12 months off her employer and then there is the money off her union.
Hi scatz - have a look at the link here - it may give you some guidance on whether your mum is eligible to claim - looking at it I would say 'most probably' ........
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A few weeks ago mum was put on the sick by her doctors, unfortunately its going to be long term. She has spoken to Lloyds about her PPI and they say she needs to ring back in a few days to make a claim, but the person she was speaking to didnt think she would be able to make a claim as she was would be receiving her pay, despite it being sick pay.
This is Lloyds playing dirty. If she cannot claim cancel the PPI and claim all the premiums back with the interest as the PPI would obviously have been mis-sold. In fact if you mum is covered for pay by her employer I would advise not to claim on the PPI but to claim back all the PPI payments made over the last 5 years.
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I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
This is Lloyds playing dirty. If she cannot claim cancel the PPI and claim all the premiums back with the interest as the PPI would obviously have been mis-sold. In fact if you mum is covered for pay by her employer I would advise not to claim on the PPI but to claim back all the PPI payments made over the last 5 years.
aa
Thanks Johnny and AA for the reply. She is coming over this morning so I will talk to her about it.
Lloyds PPI and some help for my mum
she took it out circa Feb 2004 and at the time she was pressured into taking out PPI
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Originally Posted by alanalana
