I too received pretty much the same generic rejection letter from Lloyds as you did. I also drafted another letter like you (with the help of people on this forum) clarifying my stance on the points for rejection they raised and I received their final response within the allocated 14 days indicating their decision still stood. My next step was to draft a letter and copy all the relevant documentation and post off to the FOS. For the above reasons I'll be following your updates on this thread and wish you all the best with your complaint.

Hi there Just a quick update - heard back from Lloyds who say even taking the additional information into account they see no reason to change their decision and this is their final decision. Completed the questionnaire for the Financial Ombudsman, copied and included all documentation between myself and Lloyds and posted it off yesterday. My understanding is it could take some time due to the high case load they've got? Would I be correct in saying the FO can over ride the decision made by Lloyds?

Hi there Tyvm dx100uk - I've followed your advice and adjusted my letter accordingly. I'll update this thread as soon as any new information comes along. Thanks again

Pretty much what I though too - here's a copy of the letter I'm sending back to them: I am writing to you today in relation to your decision re my complaint about my Payment Protection Insurance (PPI) Policy. After reviewing my case you decided that the PPI was not miss sold. You explained your reasoning behind your decision and requested if I was unhappy with this to contact you further within 28 days from the 26/07/2012 with any further evidence to support my claim. I do have two very important points I would like to raise in relation to your decision: Ø I stated on 01/06/2012 in our telephone conversation I had roughly £XXXX worth of savings at the time which as you pointed out would have provided limited means to protect my payments for a set period of time. Further funds could easily have been made available thorough borrowing from family members had the occasion arisen which would have provided more than adequate funding to cover an extended period of time. I was not asked if I had any savings nor was I asked if I could acquire further funds from family members in an emergency. Ø In your conclusion: “You feel your advisor acted fairly and reasonably throughout the sale”. I would suggest unless you have an actual transcript or recording of the matter IT IS unfair for you to introduce 'pure speculation' and 'conjecture' upon on what might or might not have happened in a conversation you were not a party to, is i find quite frankly rather insulting. . Under your Consent to Cover you say “I am persuaded that this required a verbal explanation ensuring I was made aware of what I was purchasing” Using mere reference to your guidelines at the time to justify your refusal that 'it did not happen’ because' those were in place’, is wrong and unfair. For the above reasons and those mentioned in my previous correspondence I am requesting a full refund of all my insurance payments plus interest. If I do not receive a favourable response from you within 14 days I will pursue this claim through the Financial Ombudsman. Yours faithfully Seem okay? Am I missing anything? Thanks go to yourself and this website for the mine of information relating to matters such as this. Should I be successful in my claim a donation will most definetley be made

Hi there No you've not been a berk lol - I believe a forum mod removed my PDF attachment in order to ensure it was displayed it correctly. I've removed all the obvious personal details through photoshop before uploading but it doesn't hurt to have a second pair of eyes check it over. I thought it was pretty much a generic reply, I posted here just for confirmation of that and to ensure I'm taking the correct path in escalating my complaint after the bank has rejected my reclaim. I must admit to being slightly disheartened upon receiving my post this morning but as I'm typing I'm doing my best to look on this as a stepping stone. So, after reading the above PDF does anyone have any input / suggestions I can add to my letter please? And, am I doing the right thing by writing back to the bank or should I just approach the FOS now?

Hi there As you can see from my attached PDF letter (thanks to the mod who adjusted it for me) I complained initially via correspondence which was then backed up verbally by telephone call.

Hi there Thanks ams21 - letter uploaded

Hi there I've been advised to start my own thread ref my complaint about miss sold PPI with Lloyds TSB. We've been communicating with them verbally and written over the past two months or so. This morning we received a four page rejection letter. Now having read through a few other posts on here this appears to be a generic rejection letter. I'm currently drafting another complaint letter requesting they reassess their decision, failing that I would assume my next line of approach would be to the FOS? I'm posting this firstly to gather peoples thoughts on the above, secondly is there anything else I could put into the letter I'm currently drafting that would help my case? And thirdly am I taking the right approach here? sf.pdf

Hi there guys Just wondering if Levirocks has any update in this issue? I too received pretty much the same letter from Lloyds TSB this morning as the OP did in the first post. I'm now drafting a letter of complaint at the decision made and wondering where I go from here? Would I be correct in saying this is a standard rejection response as our two letters are so similar ?