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Hi
In 2002 had a loan from ltsb in my name only. Loan for £25,000, take home pay £300 for a 16 hour week. OH who earns more money was not mentioned anywhere. I was told that I needed the PPI. At no point was I told that I could look elsewhere. Also I'm asthmatic, though I don't know if this is relevant.
I think I have grounds for a complaint, does this look as though it is so please?
PS I was also given a CC with about 10K on it
PPS 18 months later same advisor had a joint meeting and told us that we were overstretched and withdrew all facilities and we are still battling on
Hi
In 2002 had a loan from LTSB in my name only. Loan for £25,000, take home pay £300 for a 16 hour week. OH who earns more money was not mentioned anywhere. I was told that I needed the PPI. At no point was I told that I could look elsewhere. Also I'm asthmatic, though I don't know if this is relevant.
I think I have grounds for a complaint, does this look as though it is so please?
PS I was also given a CC with about 10K on it
PPS 18 months later same advisor had a joint meeting and told us that we were overstretched and withdrew all facilities and we are still battling on
Yes I would suggest you have grounds for mis-selling of the PPI.
Pre existing medical condition for one.
Have a look at the following links and then send off a Subject access request with the £10.00 statutory fee asking for all the data.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
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.
Thank you for your comments. I have received a SAR but can't remember anything specific to the PPI, so I'll go through it carefully over the next few days.
I've been through my SAR and all I can find is the copy of my Credit Agreement and the t & c. Should there be a seperate document covering the insurance and should I go back to ltsb and request further information before I ret to claim PPI?
Thank you. C
I've been through my Subject access request and all I can find is the copy of my Credit Agreement and the t & c. Should there be a seperate document covering the insurance and should I go back to ltsb and request further information before I ret to claim PPI?
Thank you. C
Is there any detail of PPI on your Credit Agreement that is where PPI normally appears and not as a separate piece of paper?
If possible can you post the CCA up in your thread but remove all personal details first such as names, addressess, account numbers and sort codes, signatures and initials so your account information is not compromised.
aa
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.
Yes PPI is shown on page one with a x in the box showing acceptance of PPI however you would still be advised to check all the links I posted up and if you consider you have been mis-sold submit a claim.
I would also post up the three pages of your Agreement onto this forum for even more expert advive on your agreement.
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.
Thank you Alanalana for your advice.
Does anyone have the actual t&cs for ltsbPPI? I was told that I needed it to get the loan; I also wasn't told that I could shop around to look for a better deal. However I would also like to check on asthma as a medical pre-condition and whether the fact I was only working 16 hours and earning 300 pcm yet paying out 610 would have any bearing. (OH earns more than but but is not mentioned anywhere)
Thank you Alanalana for your advice.
Does anyone have the actual t&cs for ltsb PPI? (you should have received the T&Cs within your SAR documentation if LTSB failed to send them you can write to them and claim non compliance with your SAR which is a legal requirement on them. You can give them a time frame to produce the terms and conditions and if they still fail to send them you can complain to the Information Commissioners Office - Link here....... Complaints - Information Commissioners Office I was told that I needed it to get the loan; I also wasn't told that I could shop around to look for a better deal. (two reasons to claim mis-selling) However I would also like to check on asthma as a medical pre-condition and whether the fact I was only working 16 hours and earning 300 pcm yet paying out 610 would have any bearing. (OH earns more than but but is not mentioned anywhere)
Add in the fact Asthma would probably be used by them as a reason not to pay up if you ever had to claim and then part time working and IMO you have a solid case to claim mis-selling.
aa
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.
I've heard back from ltsb:
'The policy document for PPI.....was not included as part of your SAR as it is a generic document applying to all loans taken out at that time................Howev er,..........I have obtained a copy of the relevant policy document for you'
THe document statrs that 'no medical evidence is required to take out the insurance. '
Also ' Benefit will not be paid...........resulting from ...any mental or physical condition or disease which you knew of or should reasonably have known of on the start date..................... ......Any chronic or continuing disease which you had on the start date.'
Am I right that asthma would have been covered by this?
I have a 25 page copied document of varying quality if anyone is interested.
I've heard back from ltsb:
'The policy document for PPI.....was not included as part of your Subject access request as it is a generic document applying to all loans taken out at that time................Howev er,..........I have obtained a copy of the relevant policy document for you'
THe document statrs that 'no medical evidence is required to take out the insurance. '
Also ' Benefit will not be paid...........resulting from ...any mental or physical condition or disease which you knew of or should reasonably have known of on the start date..................... ......Any chronic or continuing disease which you had on the start date.'
Am I right that asthma would have been covered by this?
I have a 25 page copied document of varying quality if anyone is interested.
I would ask your GP this question as there may be differing levels of Asthma. However if you are using inhalers on a daily basis IMO that would be classed as chronic and therefore come into the exclusion bracket for a claim on PPI.
aa
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.
Thank you. Next question........I was only working 14.5 hours a week when this was taken out, therefore wasn't eligible for unemployment cover.
The more I look into this, the more faults I can see.
This must have been mis-sold as I did not see a copy of these t & c which explain the policy details.
I will start trying to compose a suitable letter.
Quote:
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
Namely, is this policy I am about to sell suitable to the customer. It seems now on the results of the FSA fines, Competition Commissioners findings see this....
and the FOS upholding 90% of PPI complaints that are submitted.
The more you delve the more you find..
There is much more in here but time consuming to search it all... links
aa
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.
Hi
asthma is not covered under pre-existing medical conditions normally however........
I completed a misold PPI claim on Which website which you can opt to be emailed directly to Lloyds TSB and you can print a hard copy for your records. You can select the reasons you think you were misold and it creates you a letter which you can approve and then Which emails it directly.
I did this and selected the pre-existing medical condition. The letter it then wrote did not state what the condition was just that I believed I had been missold because of this. I assumed when they got the email they would write to me asking for further details or proof.
It took 5 months for them to reply other than an acknowledgement of receipt however without any further details or proof they upheld my complaint and refunded all payments + interest.
AA has also helped me in the subsequent battle to get them to pay the refund direct to me and not to my loan account which I successfully won yesterday with them agreeing to credit my bank with the full amount.
I am a layperson and have no legal training but I do have an iota of common sense (sometimes)
Welcome Finance PPI -----> over £3k court case filed SETTLED
Park Motor Finance -----> incorrectly logged default on credit file claim for compensation
Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09
Andie, thank you for that. Does this mean that the dd to Which that I keep forgetting to cancel may be worth its value? I'm now off to which to check on any letters I can use.
Now sent
LTSB loan PPI
in my name only. Loan for £25,000, take home pay £300 for a 16 hour week. OH who earns more money was not mentioned anywhere. I was told that I needed the PPI
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