Hi Have been phoning Lloyds a couple of times a week since beginning of February to ask if they have finalised their calculations and they are still saying that they haven't and they say they can't give me any timescales. Not sure what I can do other than wait

Hi Forest Dave Did you send away for an SAR. I sent away as knew I didn't have all the details of the 3 loans I had with them. Two were off 1996 and the other from 2000. Unfortunately I'm still waiting for Lloyds to do their calculations even thou I was informed on 23rd January that they had upheld my claim.

got most of the ideas from here x J

I sent my original complaint to them way back in August last year, received a phone call from them asking why I thought I had been mis sold the PPI and received their std letter a few days later. I replied to them with the letter below. I did state on the letter that they had 14 days to reply but that didn't happen. I have phoned them twice a week for the last 3 months, then got a call from them last night asking what my employment benefits at the time of the loan were like, ie how long would I have been paid in the event of sickness, redundancy package and if I was entitled to death in service. I did mention to them that I had / have life insurance. I decided to phone them on the off chance tonight and was surprised when they said that a letter had been sent out saying that they had upheld my complaint following further investigations. They have not done any calculations as yet and not sure how long I will have to wait - but at least I have a YES! Hope this helps all others who are still trying x J Dear Sir / Madam, Re: Loan Reference: XXX I am writing to you today in relation to your decision regarding my complaint about my Payment Protection Insurance Policies in relation to the above accounts. 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 XXX, with any further evidence to support my claim. I stated in a telephone call on XXX and also in a follow up call on XXX: 1. I was not made aware that I had Payment Protection Insurance. Let me clarify: I know this because I would not have signed up to something which was going to add to the cost of a loan which would have caused me more financial difficulty and because my job at the time gave me employee benefits to cover the payments had I been unable to work or made redundant. 2. I was not made aware that the Payment Protection Insurance was optional. Let me clarify: I had no idea PPI was included in the amount I was paying, the process as I thought was signing the loan documents and this was the amount I had to pay for the LOAN. If I was informed that it was optional I would have opted out. 3. I was not made aware that I could have purchased Payment Protection Insurance from some- one other than yourselves, if I had required it. Let me clarify: As I was not made aware that I was signing for PPI or that it was optional, I was also not advised that I could have purchased the PPI from another independent company other than yourselves. Therefore I was not given the right to make an informed choice as to what policy, if any, would have been more appropriate to my needs. 4. I was in full time employment and had employee benefits in place, therefore I did not need the Payment Protection Insurance. Let me clarify: I was in full time employment at the time the loans were taken out with yourselves and I received employee benefits which would have covered my loan payments had I been unable to attend work or been made redundant, therefore I did not require PPI and would not have agreed to pay PPI as it would have incurred a further financial burden. In your conclusion: “You feel your advisor acted fairly and reasonably throughout the sale” and regarding “your knowledge of your sales process and documentation at the time”. 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. If your advisor acted fairly, as you say, then there would not have been PPI on the loan because had they been fair they would have explained there was PPI on the loan and that it was optional, but because they did not do this I have ended up paying for PPI I did not want or need and would not have signed up for if this had been explained at the time of the loans. 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” As evidenced by my comments; Points 1,2,3 and 4 under no circumstances was I ever told PPI was on any of these loans because I would not have agreed to paying PPI if this was the case. Subsequently I was mis sold PPI. 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. I reserve the right to take further action and will allow a time period of 14 working days for your reply. Yours faithfully

Just to let you's know that I called Lloyds tonight to ask if there had been a final decision made regarding my complaints. Guess what - after investigating further (phone call last night) they have changed their minds regarding their initial decision and have decided to uphold my complaints. YIPPEE!!! So there is still hope x J

Received the paperwork for all three loans which I had with Woolwich (now Barclays) as well as the signed agreements. I already have a letter from barclays saying that they have upheld my complaint but as they could not find any information regarding two of the loans was given £500 good will payment as they had nothing to make their calculations on and that if I could provide the information they would then do their calculations They have already paid out on one of the loans which was a consolidation loan for one of the other loans. When I send them the further information they require to make their calculations for the two loans they haven't made payments for do I point out to them that the third loan was a consolidation loan and therefore calculations should be made for PPI on PPI? Not sure that I can as already signed to say I agree with their calculations and payment. Any advise would be appreciated. Thanks J x

I just had a phone call from them last night asking them exactly the same thing! I sent my original claim to them last August and they replied with their std letter, so sent them a reply saying that I did not agree with their response and that they were not present at the time. Will wait and see what decision they make this time and let you know. J x

Thanks - that says it all - don't know how they'll get out of that one, especially when they have sent the agreement to us with no mention of PPI x Will keep you informed as sending off claim tomorrow x

Thanks again for your help x

Thanks for your help. Do I complain to the FOS about Lloyds when I put my claim into them - I did state on the letter I sent to Lloyds in September that they had 14 days to reply

I thought that PPI was to cover you for sickness and redundancy when employed (sorry if that's wrong) Not sure what she can claim for as she is not working

Hi I made a PPI claim with Lloyds Bank mid August last year. I received the standard letter from them dismissing my claim and sent a reply stating that I did not agree with the decision last September. I ring them every couple of days only to be told the same thing - that the claim is been review by their team and they can not give time scales on re-opened cases. It is nearly six months since I originally made my claim - do I need to go to the FOS before the 6 months is up? Thanks in advance for your help. J

Hi Can anyone give me some advise please. My mother has banked with Lloyds for over 20 years, she has had a mortgage, loans and credit cards with them over the years. Whenever she took out any finance she was always advised that she had to have PPI cover to guarantee her finance. She was employed by the same company for most of her working life and had good benefits should she had been unable to work or made redundant. I have sent away for an SAR and on her latest credit card she was not even working when it was taken out (she was advised by her bank to change the type of credit card she had). I have the agreement that she signed and can't see anywhere that asks about insurance. She is still paying insurance to date and hasn't worked for over 7 years. Do I state this on the consumer questionnaire? And should she cancel her insurance as not sure what she could claim for? Many thanks in advance J

thanks very much

Hi All, I had a loan with Woolwich dating back to 2001 - so sent in a complaint form for it and received a reply from Barclays saying that they did not have enough information to make calculations for this and another two loans that I had forgot I had. I had kept the agreement for the loan which I knew I had but not for the other two loans. I need to send away for an SAR but do know where to send it to, can anyone help please? Many thanks in advance J

Still a bit confused ... but you have put my mind to rest x Just didn't want to take the money if it wasn't mine x Thanks once again for your help x

Ah that is about right - thank you so much, was worried about having money that was not mine x So is the 8% calculated by how many years since you had it x

Thank you for your help x

I've tried using the calculator on the forum but it comes nowhere near so not sure I'm doing it properly x Thanks for your reply x

Hi all - just wondering if some-one can tell me how the 8% interest is worked out please? I took a cash loan out for £13,000, with the interest charged totalling £3,884.72. The PPI policy was included in the cost of the loan for £3,571.62, with the interest charged totalling £1,065.18. The total amount payable for the loan was £21,521.52, repayable over a term of 72 months. The monthly payment towards the loan was £234.51 for the capital element and £64.40 for the PPI element, with a total monthly payment of £298.91. The APR of the loan was 9.4% I made my first payment on 26 Mar 01 and the last payment on 4 June 2003 respectively. Upon settlement I was given a rebate of £1,864.68 and an insurance rebate of £1,345.47 which was applied to the account on 5 June 2003. My claim has been successful and this is what they stated in my letter:- As you have already received a rebate of the interst and insurance we will refund the outstanding premiums and interst charged on those premiums of £2,890.07. In addition we will pay 8% simple interest of £149.07. We have received this money but have since had a call saying that the 8% interest has been mis calculated. They have sent a letter stating:- I (The loan provider) have re-calcuted the 8% and it totals up to £2,311.81. I have advised you over the telephone that I will deduct the previous amount which is £149.07 that has been credited to you from the total that is £2,311.81 and this would leave a balance of £2,162.74 for the 8%. Is this correct - don't know how the 8% is calculated - just seems a lot of money to be 8% of something, or does it depend how far back the loan was. Confused.com Appreciate anybody comments Thanks in advance J

Many thanks for that. Much appreciated. Julie

Hi All, Quite new to the site, but finding lots of usefull information thanks. I am wanting to send an SAR to lloyds TSB on behalf of my mother. I've got the SAR letter - can someone please let me know if I address the let to the branch or is there another address I send it to. Many thanks in advance for any help Julie

Just received same letter from Lloyds - can you please let me know what did you write in your letter when replying and have you had a reply from them as yet. Not sure whether to try again myself or go straight to FOS x