I have had a call back and...turned down. In short the reasons are that I had one call out for a breakdown and took a loan out at a preferntial rate a few years later. I am minded to take it further but this, which I had to copy and paste as the link seems to not work, from the Ombudsman website, has put me off a bit: 112/8 consumer complains his bank told him he had to have a packaged bank account to have his loan application approved Mr M’s daughter had recently been offered a place at university. He wanted to help her out as much as he could, and decided to take out a loan to pay her accommodation fees. Mr M phoned his bank to ask about a loan. The adviser told him that because he had a packaged account, the bank should be able to give him a “preferential interest rate”. Mr M was confused. He asked the adviser to explain what she meant by a “packaged” account. When she told him what the account included, Mr M said that he remembered opening an account like that many years ago when he had taken out a loan. Mr M said that at the time, he had thought he needed to open the account to make sure his loan application was successful. But he had also thought the monthly payments for the account would stop once he had paid off his loan. Mr M felt that he had been misled by the bank, and he complained. T he bank insisted that the terms of the account would have been made clear to him when he took it out. But Mr M was still unhappy, and he decided to bring his complaint to us. complaint not upheld We asked the bank to send us its records for Mr M. T hese showed that five years earlier, Mr M had opened a packaged account – and six months after that, had taken out a loan. T here were no records of any loan applications or earlier packaged accounts before then. We noted that Mr M had paid off his original loan after three and a half years. We asked the bank for a copy of the letters that Mr M was sent at the time he took out the packaged account, at the time he took out the loan, and at the time he paid the loan off. We saw evidence that the terms and conditions of the packaged account had been sent to Mr M – and noted that the accompanying letter had clearly and prominently stated that he would pay a monthly charge unless he “downgraded” his account. We could see nothing to suggest that the bank had told Mr M that he had to take the account for his loan application to be successful. We checked to see whether Mr M had asked to change his packaged account at any point. We were satisfied that he hadn’t. Taking everything into account, we were satisfied that the bank had not told Mr M that he had to upgrade his bank account to get a loan. We also looked into whether Mr M had been given enough clear information to make an informed decision about whether to upgrade his account. We thought some of the information he had received could have been clearer. However, we noted that Mr M had benefited from the packaged account – because he had received a better interest rate on his loan. The saving he had made was more than the amount he had paid for the account. So in these circumstances, we did not uphold the complaint. I will await the letter to come in the post thoguh before deciding.

I have had a call back and... no luck. They told me quite categorically that no more is coming my way

Thanks for the reply. I never made a SAR and as the clai was settle with no contest from Lloyds I never made one. The news stories are a bit hard to fatham as to what is going on (well, to me anyway) so my call to them was a bit on the speculative side. No penalty charges were applied.

I received a payout from Lloyds for mis-sold PPI over 6 months ago. One of the payouts was for a loan taken out back in the late 90's and was paid out on the basis that it was a 'goodwill' payout and the sum was the Lloyds avergae payout for PPI. Since reading online that Lloyds have miscalculated the amount of PPI payouts for a number of claims made in 2012/13 I rang them to ask if my claim was one such. Teh nice lady told me that I recived the full payout and no furher money would be paid ot me in respect of the claim. My question (as I had to rush to work after my call) is this: has anyone made such a reclaim on the basis that the 'avergae payout' figure was too low. I may be 'out of time' but in view of the info on various news sites it would appear to me that the lady just blew smoke over a possible legit claim from me!?

A lengthy reply for sure! I am no expert but I guess the four mobile phone cover claims are the main basis of their rejection. I am interested in their assertion that because you had not claimed or compleined in the past at any time they assumed you were happy with matters - this to me is no defence because many of us *foolishly* trusted the bank to do the right thing for us. Lloyds have until 20/09/14 to respond to my claim re a select account that I paid for for years and was advised I wuold need in order to get a loan: I will update here when I get this response

Hi. No, I never sent a SAR. I was passing a Lloyds branch and had nothing to do one lunch tome (makes a change!) and decided to go in and ask. I got a bit lucky because I knew the girl who served me and she printed me off a list of the 3 loans (nos and if they had PPI. One never made any reference to PPI so that was always a maybe anyway). I just rang the no. from the Lloyds website and away I went. January is a long time ago. I'd give them a ring and push 'em along. Good luck!

I took it. I thought about it but the loan closed in 2002 and I have no paperwork. All I can prove is that I had the loan and it is now closed so I could have had £0.00... good luck with your claim, f it is like mine I hope you get the same result as me

Ok, thanks for that. The one offer is the standard amount (there words) of £1200 and the other is for approx £3k. The reaso for the standard amout is that the say the loan is sol old they neither know the full amount taken, the period it ran for etc....overall its a tempting amount but I have a nagging feeling that i ough to dig deeper but then again, the one loan was back in 2002. Did anyone else get their reply yet?

And, my wife informs me that L-TSB have replied today to uphold my complaint on two of my old loans. She was a bit vague on the wording of the letter (and I was on my mobile in a Tesco!) so I wil have to check it on my return home. The jist is that I am due approx £4k which is excellent and I assume about right for the amounts I borrowed and the length of time since the loans closed. How is the 8% interest calculated, is it added to the total or is 8% added to the total for each year that I had the loan or 8% for each year until now!? i am happy with £4k, very much so but I am keen to know how they arive that figures.

Excdellent news and gives me a flicker more hope! Lloyds TSb have until 14th Feb, basing that on the reply I got from my original call to them, to respond. I did send a ltetr last week as a back up which was a variation on a letter a work colegue used (and she got a payout, albeit on 3 loans taken out later than any of mine but none the less...)

Hmm. Seems a common thread is emerging with Lloyds. I think I will use my lucnh break to compose my letter and get it posted off ASAP.

This is interesting. I made a telephone call to Lloyds TSB on 21 Decemebr and got a call today (at work ) asking about my death in service and sickness benefits etc. All were very good as a local authority employee. I had 3 loans one in 97 one in 00 and one in 02, One or 2 for a car and one consolodation loan. I wondered if this is the start of a fob off by LTB... A colleague at work advised me to write depiste having made contact by telephone, anyone think this is a good idea?

Refused! Got a polite but waffle filled letter back that basically advised me that the APr was detailed as variable on the T&Cs that Cahoot sent me and that this was prior to the loan being transferred to Santander. The statement that I requested will only go back to March 2010 because this is when Santander took ownership of the loan and this is still ye to tbe received by me.... I am going ot have to do some more digging on the previous cases that have been succesful and see how I can proceed from here. Any thoughts will be appreciated!

I received a letter dated 24 Dec 2010 but received afair few days later which has thanked me for contacting Santander with my concerns. they will be writing to me once they have investigated my case and will advise me of the outcome. Also they've given me al eaflet on how to complain and how to contact the Ombudsman if I so wish. I am expecting a refusal but will further update once they have written to me.....

Thanks for taking an interest:-) I can imagine just how unhelpful they were on the 'phone from reading a few other threads on this site Sadly, there has not been much progress to report since I last posted. I sent a second letter and this time I sent it direct to Santander, marked for the attention of the complaints team. I checked royal mail track & trace service last week and 2 weeks form posting my letter was still in the delivery process I was going to chase this via RM but given the Xmas period was looming and then my wife and son both becoming ill with flu it all has taken a back seat. I shall be chasing it up in January though. I too have heard that the Ombudsman is pretty much a waste of space too. However, I guess it is all part of the 'game' and I shall repost here when/if Santander deign to reply to my letter...if it ever arrives in the post!!!