just a bit of advice - keep a copy of ALL letters to and from lloyds tsb. Once you have put in your complaint if if takes longer than 12 weeks OR you do not agree with what they say go straight to fos. Its a case of filling in two forms one of them very very simple the other a questionnaire which is mainly multiple choice. They will then investigate for you (it can take a while due to current worklaod) and if youre unsure of any offer value again run it through fos. you should relly be getting back everything you paid into the policy + interest paid on the ppi premiums + 8% statutory anual interset for every year youve had the loan untill the date your refund is paid SARs can take up to around 12 weeks but if it takes longet than this contact the information commissions officer. To speed things up make sure you inform them asap of any name/address changes you have had since taking out the loan (they may ask for proof eg marriage certificates or bills) they use dpa as the reason for requesting this. If youve had loans with lloyds chances are you ahev had the insurance - to put it into figures for you - the banks in england put aside around 8 bilion pounds to pay out on these claims as a whole. Lloyds banking group has contributed somewhere around 3.2 billion of this, the most any bank has put aside. This shows just how many loans and cc with lloyds actually had this added onto them. Chances are if youve got it on one loan youve got it on them all as selling the policies ran on commission so if the advisor could get away with adding it they would! good luck

ive worked in ppi for 2 years - go for it when you paid the debt off was it all completly cleared or was it a reduced settlement? If it was a reduced settlement keep in mind they can still take some of the money off so called "arrears" up till the full amount that was owed is paid back. However , with ppi claims it is not only the initial premuims you should be getting back it is also the interest you paid on the ppi PLUS 8% statutory anual interest for each year since taking out the loan till the date you are paid your refund (so it can work out to be a lot of money on top) Do speak to the financial ombudsman they offer free advise and will be able to advise straight away on what you are eligable to claim back. Also do speak to barclays because after the recent judicial review they are eager to get this all paid off to try and get rid of the position they have found themselves in. Barclays atm would get 16 weeks to investigate and give you a full and final answer or settlement. (this has been increased because of the court case and the amount of people claiming ppi back these days). If after the 16 weeks you have either had no response or you are not happy with the response you can then escalate the case onto fos by completing 2 forms (keep a copy of any letters to and from barclays because they will request a copy of these) FOS are highly sucessful but be warned they can take a long time i think its an average of 12 months at the minute due to work load gppd luck with it but do make sure you go for it. At the end of the day you have nothing to loose barclays are not allowed to let it affect your credit rating/ relationship with them and if you cant claim it back it hasnt cost you anything. However if , like i strongly suspect you can , claim the money back you could be looking at a small fortune back possibly in time for christmas

Hi My advice is NOT to ignore them - get on the phone and try to work something out. If the company has already contacted lloyds be in 3 weeks ago or 6 months ago then you would now be liable for the fee. Did you sign a contract with them? If you did then this is legally binding and although the claims companies dont go to court themselves they DO and ALWAYS have passed on unpaid fees to 3rd party debt collection agencies who will take you to court. at the point of sale did the advisor say 6 weeks or was is worded a minimum of 6 weeks or around 6 weeks? unless they have actually stated a specific time limit of 6 weeks only then theres not much you can do about it. FHowever , i would suggest you request a copy of the origanal sales call under the data protection act (the companies keep these for 12 months so they should still have it and if not i would advise them you will be speaking to the information commission officer) Put in a complaint about the level of service you recieved G and tell them that not only did llyods trick and con you but these people have now proceeded to prey on that abuse of your trust , promised to help you and then gone on to do the same thing to you. The best advise i would give is to speak to the ministry of justice - the company will be regisetered with them in restrospet of requlated claims managment. If you have any paperwork from the company the companies registration number should be printed usually in small print at the bottom of the letter. good luck with it but i wouldnt advise to ignore it - the payment is a legal agreement as stated in terms and conditions so ignoring it could affect your credit file. But do dispute it put in a complaint and let them know the reasons you are unhappy.