Hi All

I have instigated a PPI 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

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

Because I was advised to take PPI 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

Fine, then there is probably no difficulty about taking the phone call. Make sure that you emphasise to them that you were sold PPI 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 services 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 ombudsman.

Thanks very much BankFodder I will keep you updated

I would NOT ever be ringing any bank regarding PPI. 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 sar

use the FOS 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

Hi Dx

I have all statements etc from my SAR. 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?

simply tell them writing only

did you do a spreadsheet?

and your reason for missale was?

dx

Didnt do a spread sheet

Please see post 3

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

Ok thanks DX

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...

There. Is

On the fca website