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daisygirl

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  1. Got second letter back from them today: "Thank you for your letter blah blah blah I am sorry that you should feel so dissatisfied with the response that you have recieved and that we have not answered all the points you have raised, which i hope to now do so. 1) I hope you will appreciate that we are unable to verify the discussion you had with a Lloyds TSB staff member with regards to payment protection cover when makling the application for a Lloyds TSB credit card in Sept 1998. Howerver, you have signed the application agreeing to the information provided. 2. You were sent a policy document when the Payment Protection Cover was set up, which clearly explains the insurance and cancellation policy. 3. The Payment Protection cover was clearly outlined in your monthly statements. May I take this oppportunity to advise you that in view of the considerable amount of time that has passed since this matter occurred in September 1998, we are unable to look into this matter any further. Therefore, I must reiterate that we would not look to refund any premiums you have been charged. " Am gonna contact the ombudsman but if anyone else been dealing with Lloyds re credit card charges I'd be grateful for any advice. I've just been on their website and got this from their credit card PPI terms and conditions Unemployment (including Carer) Cover 3 This policy will not pay for any unemployment that you were aware of at the start date . You will not be covered for any unemployment which we reasonably believe you knew was likely to happen, whether you had received official notice or not, when you took out this insurance. 4 This policy will not pay for any unemployment that you were advised of or which happens during the first 90 days following the start date. 5 You will only be eligible for unemployment cover once you have been in work for at least six months. For further details regarding your employment status and how this may affect your claim please refer to the ‘Employment Circumstances’ section. I did tell the girl that I was about to start a university course in Oct 98 and would therefore be effectively unemployed so surely that alone is basis for a mis-sale? Plus they seem to be saying it was so long ago that they ripped me off that they've gotten away with it now so it;s my own tought luck!!! I only realised what this PPI actually was when I started to work in a bank, and believe you me there are mega rewards for staff who sell these policies. Any help or advice, especially from anyone going through this with lloyds at the mo or who has won would be so gratefully appreciated!! DaisyGirl xxx
  2. Hello all Got my response letter from Lloyds....finally....today. They are "very sorry that I feel so dissatisfied with their service" then it goes on about how I could have claimed on the policy if I'd needed to ( I was a student for 6 of the 8 years I had the policy so no, I couldn't) and how I could have cancelled it if I'd wanted to when they sent me all the stuff through. But a representative from Lloyds had already told me they would cancel my card If I did that!!!!! Firing off a second letter today telling them to get it sorted or I'm going to the Ombudsman.....see how it goes. Anyone else claiming PPI mis-sale on a credit card from Lloyds or have you done so in the past? Any advice would be gratefully received!!!!
  3. thanks for your fast response....i did find this but wasn't sure if i could use this for credit card claims as well as it's a completely seperate unit. but i'll give it a bash and see how i get on.
  4. Hey guys - got my statements today and calculated all my charges - have copied the letter to claim them back and it's all good to go but I need the best address to send it to....does it go to their customer service address printed on the statements or is there another address it should go to? any advice much appreciated Also i've been looking about on this part of the forum but can't see too much info about claiming back from the credit card rather than a bank account - any advice anyone has, i'd be grateful for.
  5. Hey all how are we all this evening? Having a bit of a problem getting statements from Creation Financial Services re my USC card - they're claiming that they have no record of me under my name and address and unless I can provide them with an account no they can't do anything else. And i don't have any statements. I might be wrong but isn't this a breach of the law and it's up to them to find my information? I know I can probably get the a/c number if I look up my experian report but I dont see why I should have to. Can anyone offer any advice please?
  6. Talk about a bloody saga - my statements came this morning - 3 years of them missing, obviously. Can't expect them to be getting things right on the 3 rd attempt - gotta give them a few more chances!!! Which apparently means that my original SAR wasn't lost after all. I dont think I have ever encountered such an incompetent organisation!!!!! Although I have to say that everyone I have spoken to at their customer services team have been lovely. The girl I spoke to yesterday has arranged with her team manager to get the list the of charges they used to decline my claim (you know the calaim that I hadn't made because they haven't sent me the statements?) so I should hopefully get them the next few days. Apparently when I asked to make a formal complaint about the fact that my DSAR form had gone missing the team manager made a complaint on my behalf about my bank charges......in the land of the blind, the one eyed man is king!!!!!! Fingers crossed I should be almost at stage 2 in the next few days!!!!!
  7. Hell everyone, thanks for all your great responses. Got a letter from them yesterday telling me that my letter was indeed lost and that perhaps I should check with The Royal Mail to see if they knew where it was......doubtful seeing as I posted it directly to the branch mailbox.!!!! Spoke to a very nice young man called Ian who apologised and dais he would see what he could do to speed the prcess up for me since I had already been waiting 40 dyas or thereabouts. Got ANOTHER ketter this morning: Dear DaisyGirl YOUR BANK CHARGES Thank you for your recent complaint. I am sorry that you are unhappy about the charges that have been applied to your account. OUR INVESTIGATION I have carried out an investigation and I am satisfied that the charges have been correctly applied to your account, This letter explains the reasons behind my decision. Then there is some blah, blah about terms and conditions etc. I am astounded. Not only have they not sent me my statements, how on earth would I go about claiming back charges if I dont't know how much I need to claim for?????????!!!!!!!!!! :-x And I dont care if they have been correctly applied to my account, they're excessive, unfair and the babks make massive profits from them so they're illegal!!!!!!! And I should know because I work in a bank!!!!! ***banging head off desk**** Spoke to another nice young lady who tried to tell me it was still going to take 40 days. When I pointed out that they obviously had a copy at customer care for them to respond to me, she said she would send me my charges breakdown out 1st Class Post. Result!! And my £10 cheque never got cashed!!!!! :D
  8. When I was 18 I was in my local branch of Lloyds when I used to bank with them and the girl behind the desk told me that I had already been pre-accepted for a credit card. Being 18 my response was "Yippeee". She filled the app for me and when it came to the PPI section she told me I would have to take it because of my age, and if I didn't the card would be declined. Being young and silly and not knowing anything about it I signed up. As some of you may already know I work for another bank, started about 2 years ago and realised at that point I had been mis-sold. Cancelled the PPI straight away. I know want to claim back any late payment fees that I may have had over the years but also want to claim back the money for the mis-sale of the PPI - I feel the staff member took advantage of me. Lloyds have told me on the phone that it's my own fault for signing up for it and they don't keep records that far back so it's my own tough luck basically. Just looking for some advise really on how to go about claiming for this mis-sale - am definately gonna be claiming back the over limit charges but I am unsure about how to go about the mis-sale of the PPI claim because it was almost 10 years ago. I'd be really grateful for any advice or support anyone can offer Daisygirl xx
  9. thanx tilly I wouldn't blame some people if they didn't want to help me....the attitude of some of my colleagues and the bank I work for in general towards customers and bank charges is quite shocking. I was threatned with disciplinary action at one point for using my common sense in situations and was told that "you refund way too many charges.....you're name is flagging up on reports left right and centre at head office". Now i have to go through my line manager to get charges refunded for customers. And they way I've been spoken to by most of the staff at the Bank of Scotland? Don't even get me started!!! I suppose it's like anywhere - it all depends on how lucky you are and who you speak to........
  10. Thank you moneyhelp, maybe no-one wants to reply because I work for a bank!!! We're not all the same you know, some of us are actually interested in helping people and I certainly don't toe the party line of no bank error, no refund. Think I will send the letter recorded delivery to the address in Leeds that I got today and just in case anyone else is starting out with HBOS the guy today told me the direct address is Customer Relations Halifax PLC PO Box 548 Leeds LS1 1WU
  11. Hello folks!! This is my first post so hello to eveyone and thanks for taking you taking the time to read my post!! Should just warn you all that i work for a bank - but have PM'd the moderators and got permission to use the site before I started. Personally dont agree with the level of charges levied against customers and am often to be food in a little room with customers writing down website address and all sorts to help them claim their charges back!! (will be straight out the door if I get found out!!) Decided to take my own advice and started the proceedings against Bank of Scotland after they applied £130.00 of charges after I went £2 overdrawn!!! (They're not the bank I work for btw). I sent my first letter off on the 22nd April - posted through the branch mailbox but have so far heard nothing and cheque hasn't been cashed. Thought I'd give them a quick call this morning to check that they had received my letter and was told they hadn't and it must "have gotten lost in the post". Then I was told that I "shouldn't have posted the letter to the branch I should have posted it to their customer relations team in Leeds". (Although I dont really understand why the branch team couldn't have forwarded it on - not exactly rocket science, is it?) I then pointed out that it couldn't have gotten lost in the mail as I had hand delivered the mail and got "Oh" as a response. Then got given an address in Leeds "where i should've posted them to in the first place". Apparently. I then said I wanted to make a formal complaint about the fact that the letter had been lost by them - got put straight on to a manager. He came straight on the phone started giving me some blah blah about the process, and the letters being scanned at glasgow, how long it takes to print the statements etc. When I pointed out that was irrelevant because my letter was lost he told me it wasn't lost and that they had a backlog of 8-10 weeks. When I pointed out that the infomation commissioner has stated they have 40 days to reply to me he replied that "he didn't like people quoting legislation at him" and that only 28 days had passed. When I pointed out that I had only phoned up to check they were dealing with my request i got "oh" again. He's now logged a complaint for me and someone in their customer care team is looking into it and will call me back again but my question is this - do you think I would be better just starting again and sending the letter to the team in Leeds because apparently they are dealing with therequests within 40 days? Or just wait for them to come back to me and tell me to wait another 4 weeks? Can they do this? I've already posted this in the main section before I realised there was an HBOS section so apologies for the double post!!
  12. Hello folks!! This is my first post so hello to eveyone and thanks for taking you taking the time to read my post!! Should just warn you all that i work for a bank - but have PM'd the moderators and got permission to use the site before I started. Personally dont agree with the level of charges levied against customers and am often to be food in a little room with customers writing down website address and all sorts to help them claim their charges back!! (will be straight out the door if I get found out!!) Decided to take my own advice and started the proceedings against Bank of Scotland after they applied £130.00 of charges after I went £2 overdrawn!!! (They're not the bank I work for btw). I sent my first letter off on the 22nd April - posted through the branch mailbox but have so far heard nothing and cheque hasn't been cashed. Thought I'd give them a quick call this morning to check that they had received my letter and was told they hadn't and it must "have gotten lost in the post". Then I was told that I "shouldn't have posted the letter to the branch I should have posted it to their customer relations team in Leeds". (Although I dont really understand why the branch team couldn't have forwarded it on - not exactly rocket science, is it?) I then pointed out that it couldn't have gotten lost in the mail as I had hand delivered the mail and got "Oh" as a response. Then got given an address in Leeds "where i should've posted them to in the first place". Apparently. I then said I wanted to make a formal complaint about the fact that the letter had been lost by them - got put straight on to a manager. He came straight on the phone started giving me some blah blah about the process, and the letters being scanned at glasgow, how long it takes to print the statements etc. When I pointed out that was irrelevant because my letter was lost he told me it wasn't lost and that they had a backlog of 8-10 weeks. When I pointed out that the infomation commissioner has stated they have 40 days to reply to me he replied that "he didn't like people quoting legislation at him" and that only 28 days had passed. When I pointed out that I had only phoned up to check they were dealing with my request i got "oh" again. He's now logged a complaint for me and someone in their customer care team is looking into it and will call me back again but my question is this - do you think I would be better just starting again and sending the letter to the team in Leeds because apparently they are dealing with therequests within 40 days? Or just wait for them to come back to me and tell me to wait another 4 weeks? Can they do this?
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