lloyds mis sold lpi?

**karens25** · 31st July 2009 09:45

hiya
im not sure if this counts as mis-selling icon

... briefly, i took out a loan with Lloyds icon

in july 07, the loan protection insurance was added in a lump sum as was the case then, having just received, at my request, my personal loan documents i have noticed this little discrepancy...

the box headed PLEASE TICK AND SIGN.....is as follows

i wish to purchase loan protection insurance ( ) (please tick) there is no tick!!
i understand that i am purchasing the product(s) ticked above on credit provided by you and that the terms relating to the credit for the products can be found under key financial information. other information and condition 1.4 of this agreement.

signature icon

of borrower(s)

date of signature(s)

i have signed and dated the agreement but never ticked the box...

do i have a case?

thanks in advance
karen

**dx100uk** · 31st July 2009 10:03

most def.
plus you can also rely on many of the other reasons in the guidance notes in the red sticky above this forum.

off you go get it back.

dx

**karens25** · 31st July 2009 10:09

thank you very much!!! and for your extremely prompt response!!

kx

**karens25** · 1st August 2009 07:23

hi
sorry got a bit giddy yesterday!! went off to start to get my money back and realised i dont really know which letter i should be sending???
any help with the wording would be gratefully received...
thanks
karen

**dx100uk** · 1st August 2009 11:59

look in the stickys at the top of this forum

Payment Protection Insurance (PPI) - The Consumer Forums

dx

**karens25** · 2nd August 2009 14:51

hiya
sorry if im sounding a bit thick.....i have had a look at the stickys but couldnt really find one that said... there is no tick in the box (ish) is it that the agreement is not properly executed? just not really sure how to word it.....
thanks
karen

**havinastella** · 2nd August 2009 15:02

Hi Karen,

There are not a lot of PPI icon

templates as everycase is quite different.

You just need to send them a letter outlining the situation with a copy of your agreement clearly showing 'No' tick.

Jogs

**karens25** · 2nd August 2009 17:30

hi jogs

thank you for that, will do..

karen

**karens25** · 10th February 2010 15:06

hi
finally i got round to sending the original " i want my money back" email to Lloyds icon

pointing out that i wasn't told the insurance was optional, but more importantly the tick box, saying i wished to purchase it, was never ticked!
i have recived their response which im guessing is the bog standard letter everyone receives... they say as i have raised a number of concerns (2) they will respond to each one individually, the only response they have made is that is to the fact that i claim i was never told it was optional, no mention of the tick box thing!! then they go on to offer me £814.12 rebate if i choose to cancel my insurance now and that will be taken off the outstanding balance, they also say that this is their final response and the matter is now closed, er, not for me its not!! and i should contact the fos icon

if im not happy!!! which im not! as they havnt even addressed the main issue, do i write back?
all advice gratefully received
thanks in advance
karen

**karens25** · 11th February 2010 08:26

....anyone? im really stuck here as dont know what my next course of action should be if it helps, i have been paying £41 per month insurance since july 07.. plus interest icon

of course, a little more than £814.12!!!!
thanks
k

**cymruambyth** · 11th February 2010 16:42

Do not bank the cheque as this will be shown as acceptance of their offer. Write to the fos icon

but expect a long wait.
ltsb icon

usually deny any problems and about 98% of cases from them are proven by the FOS.

**karens25** · 2nd March 2010 08:40

hi
ive been away for a bit!!
thank you for your advice, i cant believe they chose to ignore the major issue, i.e the tick box that wasnt!! that surely would never stand up in court, that along with countless other issues i have!!
i might just drop them a line outlining this and then get on to the fos icon

!
thanks again
k

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