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.

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  1. #1
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    Cool PPI Calculations - Lloyds TSB Credit Card

    Hi all

    Having got all my credit card statements from Lloydsicon
    - it seems I have had 3 different account numbers with them.
    2 VISA and 1 MASTERCARD.

    Questions:

    When I use the spreadsheet (provided by this site - excellent it is too) it asks for an APR %.
    Again - my APR has changed over time - so do I need to complete a separate spreadsheet per APR%?

    Also - because I have had several account numbers,
    will I have to lodge a separate claim per account number
    - or is it OK to lodge one complaint form with numerous spreadsheets?

    Thanks all for your advice!


  2. #2
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    I think you will need to prepare a spreadsheet for each separate account number.

    I will try and find out about the APR query for you

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    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
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    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  3. #3
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    fosicon CQ + SOC for EACH account

    pers i'd use todays or the highest int rate, let them work it out!

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  4. #4
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    Smile Re: PPI Calculations - Lloyds TSB Credit Card

    Thanks all for your replies...

    Will let you know how I get on....


  5. #5
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    Hi there

    So lodged a PPIicon complaint with Lloydsicon in mid May and they got back to me mid July. My main argument was that I didn't remember signing up for the PPI and don't remember asking for it - thought it was part of the credit card agreement.

    Lloyds have come back and not upheld my claim saying I was treated fairly and that I requested the PPI - although Lloyds didn't state or send any actual proof of how or when I did request the PPI enclosed in the reply letter from them.

    Should I go to the Financial Ombudsmanicon?

    Thanks for your help in advance!


  6. #6
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    n scaN UP THE LETTER


    scan the required letters/agreements/sheets - as a picture[jpg] file
    don't forget you can use a mobile phone or a digital camera too!!
    or
    convert existing PC files to PDF [office has an installable print to PDF option]
    .
    '
    BUT......
    ENSURE: remove all pers info inc barcodes etc using paint program
    but leave all figures and dates.
    .
    goto one of the many free online pdf converter websites
    it would be better to uploadicon a multipage pdf if
    you have many images too rather than many single pdfs
    .
    or if you have PDF as an installed printer drive use that
    or use word and save as pdf
    .
    open a new msg box here
    hit go advanced below the msg box
    hit manage attachments below that box
    hit the add files button on the top right
    hit select files, navigate to your file[s] on your pc
    hit upload files
    .
    .
    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  7. #7
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    IMHO, you need to challenge their decision before heading off to the fosicon.

    They cant simply advise that you did enter into an agreement for PPIicon, without providing the evidence !

    ltsbicon along with others are automatically rejecting requests, which is wrong. Challenge first, then go to the FOS.

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

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    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read

    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  8. #8
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    Hi dx

    Thanks for that - have scanned and attached letter from Lloydsicon...

    Citizen B

    Is is sufficient just to write back to Lloyds saying I am disputing their decision and request physical evidence of their findings? And if they can't provide evidence of me signing up for PPIicon then I will take my case to the fosicon?

    Thanks for your help!
    Hockeymad


    Lloyds TSB Letter 18.7.12 (2)[1].pdf

    Attached Files
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  9. #9
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    usual garbage

    he can speculate all he likes that the correct proceedure and protocal was adhered too
    HE WAS NOT THERE, bet it was in a closed room too just like mine.

    shame he says nowt about the commission the rep got for selling the PPIicon.!!!!!!!!

    dx


    challenge him

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
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  10. #10
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    Smile Re: PPI Calculations - Lloyds TSB Credit Card

    Hi dx

    Thanks so much for that...

    Have been composing a letter to request they send me the 'sales documentation' they refer to as proof I signed up!

    Will keep you posted

    Thanks again


  11. #11
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    hockey mad, you had left your name and reference number on the 1st page.. I have edited it out for you and replaced the link

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read

    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  12. #12
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    Oooops!

    Thanks so much Citizen B..

    Do you agree about challenging Lloydsicon before going to FO?

    Thanks!


  13. #13
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    Yes, as dx100uk has advised.. you should challenge first only then, once you have exhausted the bank's complaint procedure should you go to the fosicon.

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read

    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  14. #14
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    In my dealings with Eggicon they sent back a SARicon pile and in it it says they have paid 500 to fosicon for their costs. So keep up the pressure and it is interesting to see they have to hand out money to FOS, but will not just pay out tot the wronged party without a fight. So challenge Lloydsicon, then FOS them. Inddividually so it costs them more.


  15. #15
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    Smile Re: PPI Calculations - Lloyds TSB Credit Card

    Thank you citizen b and fur for your comments...

    Will let you know how I get on....


  16. #16
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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    I think the cost to a Bank/financial institution for an investigation by the fosicon is now 850 !!

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read

    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  17. #17
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    Smile Re: PPI Calculations - Lloyds TSB Credit Card

    Hi there..

    So I sent off my letter off to Lloydsicon challenging their judgement which they would've received by 6th / 7th August.

    Haven't had any response... so is there a standard response time that Lloyds have to respond to my letter? If so, what is it please?

    If not, can I send Lloyds a letter stating that I am going to the fosicon?

    Thanks all for your help / advice!


  18. #18
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: PPI Calculations - Lloyds TSB Credit Card

    give them a ring

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
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  19. #19
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    Unhappy Re: PPI Calculations - Lloyds TSB Credit Card

    So.....

    Got a response from Lloydsicon - they're not changing their minds and neither have they sent me any of the documentation I requested to prove I had signed up for the PPI - so it's off to the Financial Ombudsmanicon...

    Thanks everyone for your help and advice..

    Will keep you posted...



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