My sons girlfriend was fobbed off and is now outside the 6 month time limit, wish they had told me before as I could have done something about it, as they are now re opening claims how do you go about getting the bank to look at it again or do you have to wait for them to contact you?.

Can I just ask a question about this for my son, just to put you in the picture I won my sons case and claimed back the PPI portion of this Debt from LLoyds, I think his loan was for £6000 but they had put the PPI onto that as a lump sum (1900) and he kept up payments for a year when he had to stop paying due to his financial situation, he did pay the odd payment after that and redid the loan to make things a bit easier but in the end stopped paying. My question is how can a loan of £6000 with PPI which comes to about £79oo when PPI added on be passed on as a debt to 1st credit for £6532 when the PPI portion has been paid back to my son and he has made approx 18 months payments.

On 20th Sept 2011 I recieved change of codings because I started drawing a small pension (I was already drawing another pension) and I had also changed jobs, in Feb 2013 I received a P800 saying I owed approx £3800 from year 2011-12 tax so I have been disputing this saying they had all my correct details etc etc. They are now saying under ESC19A I have no recourse but I decided to ask for all my data as I was certain I had contacted them, on one of the forms I found that they issued change of codes on my pay main pay and my main pension on Sept 2011 which in effect caused them to under tax me ie changed pension from D0 to 65L, now I know your going to say 'but its up to you to ensure your paying the correct tax' and I would agree to a point but I then found that I had rang them 9 days later to ask them how codes were worked out and were the new codes correct, I also told them my expected total pay for that year and I overstated my pay to be on the safe side but the biggest evidence against HMRC is that the person I was speaking to stated that the codes were correct,see the statement below on their paperwork- TP called to ask about codes and how they are worked out, took estimated income and codes correct (this is there exact wording) The thing is since I took my main pension(2006)they have every year to date messed up my codes and I have had to pay back underpaid tax so this was the last straw. I know they have informed me within the time limit but it is up to HMRC to issue the correct codes, If I then have reasonable belief that my codes are correct ie I did contact them and they said there were correct when in fact they were not I believe I have a case against them.Do you think I have a case here.

I sent my ipad for repair to an online site in Urmston Manchester called Urmston computers,looked a genuine site,payed half cost then rest when repaired by paypal,I am still awaiting delivery after 2 days and somehow have a feeling it wont turn up what are my rights if it does not show up do I need to go through small claims court after putting in writing whats happened,delivery was by courier and return by courier. I have phoned his shop and he said it will be delivered today did not have tracking No but said will send it but nothing,have a really bad feeling over this.

Just had a letter back of Lloyds TSB offering £515 refund waving another £10 due in charges since March 2011,a small victory but don't know if I would be pushing my luck to try and get a higher offer what are your thoughts. [EDIT]

Cheers rebel11 I think I have covered the points.

Can anyone knowledgeable comment on the letter

Ooops keep forgetting

I'm going to try a letter to Lloyds on the bank charges any suggestions welcomed before I send it off thanks. [EDIT] 27th February 2012 Lloyds TSB Bank Plc 25 Gresham Street London EC2V 7HN Dear Sir or Madam, Account No ******** I am writing to request that you repay all the charges in relation to direct debits, unauthorised overdrafts and standing orders that have been applied to my account in the past six years. I believe the fact that I have been incurring bank charges goes contrary to the aims of the Lending Code (Section 9) and Banking Conduct of Business Sourcebook (section 5.1.4 ‘in particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty’). Also Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the charges are unlawful as they do not reflect the true cost of going into an unauthorised overdraft. My personal situation has been affected by the charges leaving me in financial hardship and I am writing to request that you take the following grounds into consideration • I can’t pay my debts and have recently reclaimed PPI from you that were mis-sold to me, these extra premiums being one of the reasons why I could not serve my debt. • My Income has been eaten by charges some £1800 in one year alone (2008) starting within 3 months of the loan I took out from you. • Payments regularly returned due initially to the excessive charges levied on my account these charges were disproportionate to the debt I owed and were directly responsible for my spiral into debt. • I have been constantly over my overdraft limit and you gave me no assistance when the high charges were being levied’, these charges have contributed to making my financial hardship situation materially worse; I do though acknowledge that you occasionally waved charges and Increased my overdraft but this was too little to late. • I had been stuck in a cycle of charges and not being able to clear them before new daily or monthly fees and returned direct debits are added on top. • I have over the time built up various debts with family and friends trying to help me but at least the award for mis-sold PPI has gone some way to paying my debts down along with the still outstanding money owed to the credit agency but it still leaves me in debt. The charges total £2636 in unplanned overdraft fees plus £780 in returned Direct Debits and I ask that you repay me the full amount. Plus as I believe I have been unfairly deprived of the money and I ask that interest at the statutory rate, the amount a court would award and I ask that this be added to my claim. I have attached a full schedule of the charges with this document. I look forward to a full response to this letter within 14 days and if I do not receive a satisfactory response I intend to pursue my complaint to the Financial Ombudsman Service or small claims court with supporting docs and letters from myself under the financial hardship criteria at the earliest opportunity. Yours faithfully, [EDIT]

Ok Lloyd TSB Paid £2815 for PPI Paid after 7 weeks. Did not ask for a set amount but the award works out so- Refund of premiums £1046.98 Early settlement difference £1500.50 Interest at 8% 268.42 total £2815.90 This was a claim for my son who defaulted on loan after about 2 1/2 years,basically the settlement figure comes to just under what the PPI total payment would be at the Interest rate at the time. http://www.consumeractiongroup.co.uk/forum/showthread.php?336695-PPI-Roberts-vs-Lloyds&p=3706579#post3706579

Ok ims21 thanks for your time.

Ok so I was wrong in both cases,its actually 16 payments at £47.90 and 8 payments at £36.30 so if what your saying is correct that comes to what they have offered him £2815 approx PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £1,056.80 Lender Name: Lloyds TSB 8% Simple Interest £289.54 Account Number: [EDIT] Claim From: 01/11/2007 Total £1,346.34 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £36.30 1088 £8.69 01/04/2009 PPI Payment £36.30 1057 £8.44 01/05/2009 PPI Payment £36.30 1027 £8.20 01/06/2009 PPI Payment £36.30 996 £7.95 01/07/2009 PPI Payment £36.30 966 £7.71 01/08/2009 PPI Payment £36.30 935 £7.47 01/09/2009 PPI Payment £36.30 904 £7.22 01/10/2009 PPI Payment £36.30 874 £6.98

Ok I have adjusted spreadsheet to what I think you mean,these are for the actual payments. PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £1,152.60 Lender Name: Lloyds TSB 8% Simple Interest £308.24 Account Number: [EDIT] Claim From: 01/11/2007 Total £1,460.84 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £47.90 1088 £11.47 01/04/2009 PPI Payment £47.90 1057 £11.14 01/05/2009 PPI Payment £36.30 1027 £8.20 01/06/2009 PPI Payment £36.30 996 £7.95 01/07/2009 PPI Payment £36.30 966 £7.71 01/08/2009 PPI Payment £36.30 935 £7.47 01/09/2009 PPI Payment £36.30 904 £7.22 01/10/2009 PPI Payment £36.30 874 £6.98 01/11/2009 PPI Payment £36.30 843 £6.73 01/12/2009 PPI Payment £36.30 813 £6.49 So what I said earlier though was that they sold the debt on and they sold that debt on with the value of all the PPI payment being paid albeit at a lower cost so therefore the quote below from this website should mean I should put all the payments in surely. So what they have to do to put things right is to refund the entire premium to the claimant plus the interest they would have charged on the payments by the claimant and then plus interest on those payments by way of compensation, typically 8% statutory interest.

Sorry to jump in on this thread but I (claiming for my son)have just had an offer off LLoyds for miss sold PPI which I believe is below what they should be returning to him but the reason this thread Interests me is that within a few months because he was beginning to fail to service the Loan he was hit with large unplanned overdraft charges that within the next 13 months alone accounted for £1502, then carrying on charges for the overdrafts and missed DD accounts for in total some £3400 in charges for a period from beginning 2008 till end of last year so I too am looking to claim back all these charges so I am finding this thread very Informative and wish you all good luck and any tips on how to go about it,I will be keeping the charges claim separate from the PPI and I have already fired off a letter to Lloyds asking them to stop all charges due to hardship criteria but they have said he needs to make an appointment at his branch and arrange a talk with his manager or associate.

spreadsheet PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £2,874.00 Lender Name: Lloyds TSB 8% Simple Interest £427.59 Account Number: [EDIT] Claim From: 01/11/2007 Total £3,301.59 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £47.90 1088 £11.47 01/04/2009 PPI Payment £47.90 1057 £11.14 01/05/2009 PPI Payment £47.90 1027 £10.82 01/06/2009 PPI Payment £47.90 996 £10.50 01/07/2009 PPI Payment £47.90 966 £10.18 01/08/2009 PPI Payment £47.90 935 £9.85 01/09/2009 PPI Payment £47.90 904 £9.53 01/10/2009 PPI Payment £47.90 874 £9.21 01/11/2009 PPI Payment £47.90 843 £8.88 01/12/2009 PPI Payment £47.90 813 £8.57 01/01/2010 PPI Payment £47.90 782 £8.24 01/02/2010 PPI Payment £47.90 751 £7.91 01/03/2010 PPI Payment £47.90 723 £7.62 01/04/2010 PPI Payment £47.90 692 £7.29 01/05/2010 PPI Payment £47.90 662 £6.98 01/06/2010 PPI Payment £47.90 631 £6.65 01/07/2010 PPI Payment £47.90 601 £6.33 01/08/2010 PPI Payment £47.90 570 £6.01 01/09/2010 PPI Payment £47.90 539 £5.68 01/10/2010 PPI Payment £47.90 509 £5.36 01/11/2010 PPI Payment £47.90 478 £5.04 01/12/2010 PPI Payment £47.90 448 £4.72 01/01/2011 PPI Payment £47.90 417 £4.39 01/02/2011 PPI Payment £47.90 386 £4.07 01/03/2011 PPI Payment £47.90 358 £3.77 01/04/2011 PPI Payment £47.90 327 £3.45 01/05/2011 PPI Payment £47.90 297 £3.13 01/06/2011 PPI Payment £47.90 266 £2.80 01/07/2011 PPI Payment £47.90 236 £2.49 01/08/2011 PPI Payment £47.90 205 £2.16 01/09/2011 PPI Payment £47.90 174 £1.83 01/10/2011 PPI Payment £47.90 144 £1.52 01/11/2011 PPI Payment £47.90 113 £1.19 01/12/2011 PPI Payment £47.90 83 £0.87 01/01/2012 PPI Payment £47.90 52 £0.55 01/02/2012 PPI Payment £47.90 21 £0.22 01/03/2012 PPI Payment £47.90 -8 -£0.08 01/04/2012 PPI Payment £47.90 -39 -£0.41 01/05/2012 PPI Payment £47.90 -69 -£0.73 01/06/2012 PPI Payment £47.90 -100 -£1.05 01/07/2012 PPI Payment £47.90 -130 -£1.37 01/08/2012 PPI Payment £47.90 -161 -£1.70 01/09/2012 PPI Payment £47.90 -192 -£2.02 01/10/2012 PPI Payment £47.90 -222 -£2.34