Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
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    Default LLoyds PPI Claim

    Hi All

    I have instigated a PPIicon claim to Lloyd's bank regarding credit card PPI.

    I have sent paperwork including a copy of my CCA where the PPI box is ticked. They now wish to speak to me on the phone as they need further information

    Is this a wise move to answer them and can I shoot myself in the foot by answering questions incorrectly.

    Many Thanks


  2. #2
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    Default Re: LLoyds PPI Claim

    On what basis do you say that the PPIs mis-soldicon?



    Warning: I use dictation software. Beware of homophones!
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  3. #3
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    Default Re: LLoyds PPI Claim

    Because I was advised to take PPIicon as it would improve chances of getting card. However I would have had at least 6 months full pay on sick so would not have benefited.

    I


  4. #4
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    Default Re: LLoyds PPI Claim

    Fine, then there is probably no difficulty about taking the phone callicon. Make sure that you emphasise to them that you were sold PPIicon on the basis that it would help you access a credit facility. Tell them that you now realise that this was untrue and that you were deceived into getting the PPI. Tell them also that you now realise that the reason why PPI was sold to you in this way was probably because the person who lied to you was probably earning a commission and you have only recently discovered this as well.

    You could also tell them that you never advise as to the possibility of other products either with Lloyds or with other PPI providers.

    You would be well advised to record your call before speaking to them. Read our customer servicesicon guide and implement the advice there.

    Once you have answered a question, if you find that you are being asked the same question but maybe in a slightly different way then the best thing to do is simply to tell them that you have already made it clear to them and that you don't want to prolong the conversation. Tell them right at the outset that if there is any problem that you will be going to the Ombudsmanicon.



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  5. #5
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    Default Re: LLoyds PPI Claim

    Thanks very much BankFodder I will keep you updated


  6. #6

    Default Re: LLoyds PPI Claim

    I would NOT ever be ringing any bank regarding PPIicon. you need things in WRITING for a papertrail...
    their questions are specifically loaded to get answers that minimise or totally negate your claim.

    how did you start the claim?
    did you get all the statements via and SARicon
    use the fosicon questionnaire and complete a spreadsheet detailing what your refund should be?
    if you simply sent or used resolver or their online [Lloyds] PPI complaint section of their website
    it will be treated as a speculative claim

    so what sdid you actually do?

    the FOS website examples have several classic cases of you already had full works cover and the PPI was totally unnecessary.= WIN

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  7. #7
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    Default Re: LLoyds PPI Claim

    Hi Dx

    I have all statements etc from my SARicon. I used Lloyds website and they sent me a form to fill in - not the correct way then I suspect.

    Is it too late to send a different questionaire? If they do ring can I ask them to keep all correspondance in writing?


  8. #8

    Default Re: LLoyds PPI Claim

    simply tell them writing only

    did you do a spreadsheet?
    and your reason for missale was?

    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  9. #9
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    Default Re: LLoyds PPI Claim

    Didnt do a spread sheet

    Please see post 3


  10. #10

    Default Re: LLoyds PPI Claim

    then I would else you haven't a clue if the refund Is correct

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  11. #11
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    Default Re: LLoyds PPI Claim

    Ok thanks DX


  12. #12
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    Default Re: LLoyds PPI Claim

    I think there should be a Govt body helping people with their claims... Many people just can't do this stuff for themselves... and then end up giving a large chunk of their compensation to companies who do the work on their behalf...



  13. #13

    Default Re: LLoyds PPI Claim

    There. Is
    On the fca website

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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