Reclaiming PPI on very very old LTSB loan!

**landy_alert** · 30th October 2009 20:46

Hi everyone

I know I must seem like a total glutton for punishment (apart from being a complete mug for having been talked into having PPI icon

so many times) and this one is probably hopelessly dead in the water before I start, but just wanted to see what your thoughts are on this.........

Twenty years ago when I was recently married with a new baby, I took out a loan with Lloyds icon

TSB. I had a very low income from part-time self-employment in a small business venture with my Father. At that time Mr L and I lived in a property owned by my parents, had no credit cards and consequently were considered a high risk. I was told I had to have the PPI or wouldn't get the loan - usual story

I had completely forgotten about this loan until I received the contents of my SAR icon

from LTSB. They said they no longer had details of loan account number **** which was taken out on ****1989 and repaid on ****1996.

I am yet to have a proper search through our old paperwork for anything connected with this loan, but have a feeling any proof I might have had has long been lost or destroyed during one of our house moves.

I'm just wondering what my chances are of being able to reclaim this PPI, bearing in mind Lloyds have already said they no longer have the paperwork and all I have are the account number and dates?

Unfortunately its one of the few loans we appear not to have repaid early - meaning I paid many PPI premiums

I know that it has been said a financial institution can reconstruct an agreement with just the bare bones and I feel that if they have the account number and dates on file they may have more, but this is Lloyds who are notoriously unwilling to comply!

Any thoughts please anyone?

Many thanks,

Landy x

**BankFodder** · 30th October 2009 20:58

If you can get the evidence then you should claim. If you were sold PPI icon

when you were self-employed then it seems to be a foregone conclision

**dx100uk** · 30th October 2009 21:03

all you have to do is produce 'some' type of official evidence
it could be payments for the loan from your bank statements or alike.

then they will have to calculate it

there a couple of good stickies and alike from alanalana
have a look at the top of the forum

dx

**landy_alert** · 30th October 2009 21:22

Thanks BankFodder and dx

Unfortunately the only 'official' evidence I have at the moment is LTSB's mention of the dates concerned and the loan account number in my SAR icon

.

Lloyds icon

are going to love me when/if I put in this claim as we already have 6 other loan PPIs (past and present) in the hands of the fos icon

Will get searching to see if further evidence exists!

Regards,

Landy x

**landy_alert** · 13th November 2009 20:54

Hi everyone

Well I've had a good old dig through our ancient paperwork and have been unable to find either the original agreement or any statements relating to my account at the time this loan was in force, so I might just have to give up on this one.

A shame as there would have been 7 years worth of PPI icon

and interest icon

back to 1989 to reclaim

Regards,

Landy x

**alanalana** · 14th November 2009 01:55

I had completely forgotten about this loan until I received the contents of my Subject access request from LTSB. They said they no longer had details of loan account number **** which was taken out on ****1989 and repaid on ****1996. (remember do not accept what the banks state as being accurate, they will try to put you off)

I am yet to have a proper search through our old paperwork for anything connected with this loan, but have a feeling any proof I might have had has long been lost or destroyed during one of our house moves.

I'm just wondering what my chances are of being able to reclaim this PPI icon

, bearing in mind Lloyds icon

have already said they no longer have the paperwork and all I have are the account number and dates?

Unfortunately its one of the few loans we appear not to have repaid early - meaning I paid many PPI premiums

I know that it has been said a financial institution can reconstruct an agreement with just the bare bones and I feel that if they have the account number and dates on file they may have more, but this is Lloyds who are notoriously unwilling to comply!

Any thoughts please anyone?

Bang in a claim for mis-selling give them the account number and the dates and let them work out what they owe you if they do not respond then bang in another complaint to the fos icon

. This may not provide a refund but it gives the bank food for thought and another fee of £500 payable to the FOS ( I must check up to see if the fee is still the same the FOS would be daft not to increase the fee looking at all the work they are getting) :grin:

aa

**landy_alert** · 14th November 2009 12:57

Hi aa

Thanks for encouraging me to not consign this one to the bin - I'll definitely give it a go then.......after all, nothing ventured nothing gained

Regards,

Landy x

**alanalana** · 14th November 2009 21:43

Originally Posted by landy_alert

Hi aa

Thanks for encouraging me to not consign this one to the bin - I'll definitely give it a go then.......after all, nothing ventured nothing gained

Regards,

Landy x

Do not give ground without a valiant fight

**landy_alert** · 26th November 2009 14:38

Hi everyone

Just an update on this thread -

I sent my first letter relating to the mis-sold PPI icon

on this old, settled loan account last week and today I received an acknowledgment that my complaint had been received and has been allocated to a case handler. The letter seems to be an improved format on previous ltsb icon

PPI complaint responses.

I wonder how long it will be before they say they are unable to investigate because the paperwork no longer exists?

Will let you know how I get on!

Regards,

Landy x

**birchave0** · 26th November 2009 15:07

I'm going to get my eye on this one Landy! My OH had a Natwest icon

Loan back in 1997/98 he lost his job and when he tried to claim on the PPI icon

they refused. Ended in the loan being defaulted and having to pay off the remainder of the loan which I think took until about 2001. I don't think I have an account number but may be able to trace it another way.

Good Luck!!!

**landy_alert** · 26th November 2009 15:18

Originally Posted by birchave0

I'm going to get my eye on this one Landy! My OH had a Natwest icon

Loan back in 1997/98 he lost his job and when he tried to claim on the PPI icon

they refused. Ended in the loan being defaulted and having to pay off the remainder of the loan which I think took until about 2001. I don't think I have an account number but may be able to trace it another way.

Good Luck!!!

Thanks Birchave0, You too

I presume you've exhausted all the obvious avenues - SAR icon

, searching in the attic for old paperwork etc? It's amazing how much stuff you do manage to find once you start looking. Unfortunately we used to keep all our old docs, then prior to moving a couple of years ago when Mr L had depression problems, he shredded masses of letters, statements etc so some potentially important things such as the statements relating to this loan account were lost.

Don't give up though and I'll follow your progress with interest icon

too!

**birchave0** · 26th November 2009 15:35

sadly we had a house fire in 2006 which resulted in a lot of old paperwork either being lost or chucked

I suppose I could SAR icon

Nat West.......

I do have a sneaky feeling that my sister in law may still have some of our paperwork stored in her old stables from when we moved in 1999.
might make that this weekend project and trot down and have a look

**landy_alert** · 26th November 2009 15:52

Originally Posted by birchave0

sadly we had a house fire in 2006 which resulted in a lot of old paperwork either being lost or chucked

Sorry to hear about that Birchave0 - as long as you and your family were not harmed? The loss of some paperwork pales into insignificance of course in comparison to the well-being of your loved ones.

Hopefully you'll find what you need at your sister's stables and you'll have a nice trip out as well

With regards to a SAR icon

to Nat West - I s'pose there's a chance that they may still have something on file. If you paid the loan off in 2001 or thereabouts, it is possible. Our ltsb icon

SARs contained statements back to 1999 and loan statements from a similar date, so it could be worth a try.

Regards,

Landy x

**alanalana** · 26th November 2009 22:06

Originally Posted by birchave0

sadly we had a house fire in 2006 which resulted in a lot of old paperwork either being lost or chucked

I suppose I could SAR icon

Nat West.......

I do have a sneaky feeling that my sister in law may still have some of our paperwork stored in her old stables from when we moved in 1999.
might make that this weekend project and trot down and have a look

Love it

**birchave0** · 26th November 2009 22:48

Originally Posted by alanalana

Love it

no pun intended of course!

**landy_alert** · 7th January 2010 16:12

Hi everyone

Well, as expected I today received the following response from ltsb icon

(complete with bad grammar highlighted in red!) -

'We are currently investigating a complaint regarding the miss-selling of payment protection insurance for loan **********.

Due to the time that has lapsed since you've took the policy we are unable to locate any documentation relating to the sale.

I am therefore closing this case down, however we can re-open the complaint if you can provide us with any relevant documentation with regards to the sale of this loan.'

They do go on to say that if I'm not happy I can still pass my complaint to the fos icon

, which I shall do of course

Whether the FOS will be able to investigate considering the lack of information I can provide is another matter.

Will let you know how I get on.

Landy x

**alanalana** · 7th January 2010 22:48

Originally Posted by landy_alert

Hi everyone

Well, as expected I today received the following response from ltsb icon

(complete with bad grammar highlighted in red!) -

'We are currently investigating a complaint regarding the miss-selling of payment protection insurance for loan **********.

Due to the time that has lapsed since you've took the policy we are unable to locate any documentation relating to the sale.

I am therefore closing this case down, however we can re-open the complaint if you can provide us with any relevant documentation with regards to the sale of this loan.'

They do go on to say that if I'm not happy I can still pass my complaint to the fos icon

, which I shall do of course

Whether the FOS will be able to investigate considering the lack of information I can provide is another matter.

Will let you know how I get on.

Landy x

Lack of information on a SAR icon

do not forget the Information Commissioners Office

You should submit a serious formal complaint about the LTSB failure to supply the data request.

Here is the link..Complaints - Information Commissioners Office

I sent one myself on tuesday about Barclays icon

. No information supplied under the SAR icon

in line with the Data Protection Act 1998 results in a complaint to the ICO for non compliance.

We must make these banks sit up and take notice of the legal statutes of the United Kingdom.

aa

**landy_alert** · 6th July 2010 13:31

Hi everyone

Well, as today seems to be my day for resurrecting old threads and finally retrieving claims left sitting on the back-burner, I have decided to act on the suggestion of Di0430 (thanks Di

) and send off a CCA request for this agreement as you may remember that I only have the account number.

From that comment you will realise I haven't yet followed up the fos icon

route and although I am just out of time - it being almost exactly six months since ltsb icon

issued their final response, I believe I saw somewhere that the FOS were allowing a little extra time on PPI icon

complaints being filed...........please correct me if I'm wrong though!

Anyway, it's only £1, so I might as well give it a try and see what, if anything they come up with.

Will report back as and when!

Landy x

**landy_alert** · 15th July 2010 17:39

Hi everyone

Just updating a few threads -

CCA request and £1.00 P.O. now sent off to ltsb icon

for this one - let's see what that brings forth shall we

Landy x

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