lloyds tsb ppi claim

**steve76** · 9th July 2009 14:45

hi

im posting on behalf of my father who is 65

i advised him to send tsb a PPI icon

claim letter , which he did and today recieved a response

in the letter they clearly state that he had enough insurance cover etc to cover the loan if he was unable to pay , even says they advised he didnt require taking additional insurance cover

they sent a copy of the loan agreement and above where my father signed for it a tiny box is ticked saying to include ppi insurance

he says to me that if they advised him not to take extra insurance then he definately wouldnt have taken it as he was 62 at the time , is it possible that tsb included this by ticking this box themselves ???

not sure what to tell me father now as to how to reply back to them regarding this ??

any help much appreciated

thanks

**alanalana** · 9th July 2009 20:43

Hello steve,

hi

im posting on behalf of my father who is 65

i advised him to send tsb a PPI icon

claim letter , which he did and today recieved a response

in the letter they clearly state that he had enough insurance cover etc to cover the loan if he was unable to pay , even says they advised he didnt require taking additional insurance cover

they sent a copy of the loan agreement and above where my father signed for it a tiny box is ticked saying to include ppi insurance

he says to me that if they advised him not to take extra insurance then he definately wouldnt have taken it as he was 62 at the time , is it possible that tsb included this by ticking this box themselves ???

not sure what to tell me father now as to how to reply back to them regarding this ??

any help much appreciated

thanks

Have a look through the stickies at the top of the forum to see if you have grounds for mis-selling.

PPI - Some Notes for Claimants..

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08
Reclaim your PPI premiums - payment protection insurance | This is Money

This is a little snippet from the above link....

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.

there is a lot more in here..... links

but it is worth the effort of research before starting you claim.#

aa

**steve76** · 10th July 2009 12:26

hi again

dont suppose anyone has a template letter etc for going back at them regarding having the box ticked wanting extra insurance when previously advised not to have this and sure that he didnt tick this his self ???