Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    mhill716600 Novitiate

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    Default Lloyds Tsb Ppi Issue

    Can any one help me,

    I have asked Lloydsicon tsb to send me copies of a mortgage we had with them 5 years ago at a previous address, as i want to claim back PPIicon.

    I have not got the original paperwork, agreement number etc.

    I have supplied address and dates of the mortgageicon but today i got the reply.

    Unfortunately we are unable to investigate the complaint raised because we cannot find any agreements or accounts for you.

    I would have thought my address and dates would have been ok


  2. #2
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    Default Re: Lloyds Tsb Ppi Issue

    Bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


  3. #3
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    Default Re: Lloyds Tsb Ppi Issue

    IMHO I would of thought a name and address would of flagged up any accounts.

    Have you sent a Subject access requesticon with the statutory £10 search fee.

    If not that is the way to go and if you have i would make a complaint to the ICO

    Link below:

    Information Commissioner's Office - ICO

    Regards

    PF


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    Default Re: Lloyds Tsb Ppi Issue

    Hi mhill

    We had a similar problem with ltsbicon regarding PPIicon on a couple of old, settled loans. In our case we had all the original paperwork including account numbers, but they did exactly the same thing to us and said they were unable to trace any agreements or accounts as we hadn't provided a recognised account number

    We had to re-send the documentation five times in the end - each time they returned it saying something similar, and asking us to provide further supporting evidence if we had it - god knows what else we could have sent??? At one point they referred to the amount of time that had passed since these loans were taken out (early 2000's) - which I think was the real crux of the matter.

    After several weeks of this to-ing and fro-ing we contacted the fosicon who basically told them to stop playing silly s*ds and get on with investigating our complaint. Even after that they sent our paperwork back yet again so we filed our complaint with FOS who are now investigating for us.

    I should definitely take PF's advice and do a SARicon - that way they have to send you everything - although be prepared for further delaying tactics from LTSB with that also!

    Good luck,

    Landy x

    LTSB PPI on various loans (current/settled) - Refunded inc 8%

    MBNA 1 Charges - Refunded inc CI

    MBNA 1 PPI - Refunded

    MBNA 2 Charges - Refunded inc 8%

    MBNA 2 PPI - Refunded

    MBNA 2 Accident Ins - Refunded

    Swift Advances (settled) Mortgage Charges -Partially refunded

    Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

    Sainsburys (settled) Loan PPI - Refunded inc CI +8%

    Sainsburys (closed) Card Charges - Refunded inc CI + 8%

    M&S Money (closed) Card Charges - Refunded inc CI

    M&S Money (closed) Card PPI - Refunded inc 8%

    Direct Line (settled) Loan PPI - Refunded inc CI + 8%

    Debenhams Card (closed) PPI - Refunded inc 8%

    Swift Mortgage Charges -Refunded

    Hitachi Finance (closed) Charges - Refunded

  5. #5
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    Default Re: Lloyds Tsb Ppi Issue

    Thanks for that,

    I will let you both know how i get on

    Regards

    Mike


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    Default Re: Lloyds Tsb Ppi Issue

    can i give u another bit of advice for your security never sign your posts with your name and is your login name your name if so i would send a PM to site team and get it changed as the financial industry do read these boards as it is an open forum and i would not wish them to get an upper hand on the members make it as hard as possible for them is the key


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    Default Re: Lloyds Tsb Ppi Issue

    Thanks for the advice,

    Regards

    MH


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    Default Re: Lloyds Tsb Ppi Issue

    You welcome I only have the security of you data in mind and we do not want to give the financial industry a headstart because as i said they do read these boards as guests.

    I had this problem while getting advice for a court case i had coming up.

    If you hit the read triangle to the left that will alert site team so just ask there to get your login name changed.

    Regards

    PF

    p.s if hill is not your surname then all is fine



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE