dickster 60
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have had time now to read more carefully,and after ringing the sar people up,who were helpful and very nice people to talk to have discovered on old statements going back to 2000 10 of those old type a4 statements ppi payments on those,but it then gets confusing as the cards change from trustcard then asset gold and then platinum and no ppi payments appear yet years later i get a letter from the bank on my 65th birthday that the unemployment cover no longer existsts but hospitalition cover does. to add to the mystery on a section of the paperwork they sent it claims i opened a classic account back in 1957,i do not think so i was only eleven years old then,and then a cca agreement which differs from my account in as much that the cca refers to a asset gold card but it clearly shows on my account history that it was a platinum card they are unable to find any other cca agreements,it may be hard to beleive but i suspect that my account has been doctored in some way as i rember taking out this platinum card back in 2000 but it does not appear on my statements until late 2007 how can this be ,what the hell is going on
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i have got some from 1999,lloyds love telling lies they are a bunch of crooks
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i did not take loan out until 2008 and yes they tried to sneak ppi in on that as well but i spotted it and stopped it straight away the ppi was on the card that i paid off with the loan,so i had been unaware that i had been payiny ppi from 2000 until 2008 i even got a letter on my 65th birthday to say that certain aspects of the ppi on the card were no longer covered. they admit it was misold but the offer of 173 pounds for those 8 years is a insult and no there is no mention on the few credit card statements they have sent about ppi but on there own internal data which i think they have sent by mistake it clearly shows the amount of ppi charged each moth relating to the credit card,what should i do next there is something very dodgy here.
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yes i got a few of them along with the credit card agreement dating back to 2000,it clearly shows that i ticked the box for no ppi,it just shows what a bunch this bank is you tick the box for no ppi and then they put it in behind your back then they do not show it on your statements but i found a internal bank papers that show they were charging me each month for it,i think that is why even after i sent the sar request to the correct address that they are now saying after all this time it is a different dept for ppi,as far as i am concerned this ammounts to fraud,if vi walked into the bank on a monthly basis and took money out of the till i know what would happen yet they have been taking money out of mine WHAT IS THE DIFFERENCE.
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have now got sar back it has took them the forty days,a load of paperwork but they now say they are unable to provide any information about ppi as they are not the data controllers for this information.what next
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took card out in 1999 ,the bank have stated in writing seven years they are legally obliged to keep records for not six
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five years ago the bank talked me into converting my £9,770 credit card debt into a loan,i find out on my 65th birthday via a letter from the bank that i no longer quilified for certain aspects of ppi insurance on the credit card---never knew i had ppi on it so i banged in a claim which they upheld and offered £173 to cover for over ten years on the basis that due the passage of time they have no records such as what the balance was or when it was cleared,the lying cheating so and soes it was they who arranged for the credit card via a loan to be cleared .after a number of letters going to and fro they still maintain that is a fair offer and go on to say that they are only allowed in law to keep records for seven years,correct me if i am wrog but surely that means they do have records for the last 2 years of my credit card,simple maths it is now 20013 minus 7 =2006 credit card converted to a loan 2008 which clearly shows they are bull****ting,am waiting for a sar request they have to the end of the month to comply where do i go from here,they are blatently no telling the truth but i am banging my head off a brick wall,£173 for over 10 years is a insult
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five years ago the bank converted my credit card of £9,800 into a bank loan ,i later found out that the card had ppi on it for over nine years before converting it into a bank loan 5 years ago, have put claim in it has been upheld but they say due to the passage of time they have no record of this card and it is up to me to prove otherwise and have offered £173 after paying for over 9 years, have sent off sar request no reply as yet. it was them 5 years ago who arranged this bank loan and they are trying to say they know nothing about it who is the onus of proof on any help please what to do
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Parking Eye fine - Caversham, Reading :(
dickster 60 replied to benmango's topic in Private Land Parking Enforcement
they rely on people like your girlfriend who panic and pay up,take my word for it i have had at least 7 tickets from these cowboys over the last 2 years, ignored the lot parking in private land car parks is a different ball game there damands have no validity in law and they know it and they know i know it too,so teel her there is nothing to be concerned about not paying -
royal mail guarantee to deliver 2nd class mail i three working days,lloyds sent me a final response letter out on the 18th march received it today 8th april conclusion they keep them back left on the desk it is called delaying tactics
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llloyds tsb refuse ppi repayment
dickster 60 replied to nigel1804's topic in Payment Protection Insurance (PPI)
i am also having trouble with lloyds,there help line is useless and they are prone to telling lies and using stalling tactics in the hope you will just cave in just keep pressing them -
5 years ago was called into branch and was talked into converting my credit card balance which was at the time £9,800 into a bank loan, at that time i was classed as self employed and 63 years old without saying a single word about ppi they tried to sneak it in , i spotted it the next day and duly cancelled the ppi out of the blue i get a letter telling me that i would not get all the benefits on offer with ppi on my 65th birthday relating to my credit card which i had been talked into converting to a bank loan, i had been paying ppi for over 10 years on the card without knowing i had it, to cut a long story short i put a claim in for this missold ppi on my credit card they have done nothing but lie and used delaying tactics since at last they admit it was misold and they say they sent a letter out on the 18th march still not got it despite at least 6 calls to the help line am being ignored by all i speak to and send emails to managed at last to get the man on the help line to dictate this letter over the phone was told that they had put 173 pounds into my account as due to the passage of time they have no record of this credit card and they consider this to be a fair offer still not had this in writing but told him over the phone where he could stick his offer am still awaiting anything in writing where do i go from here
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