Ooops, haven't been following this thread, my bad! That's good news! I have heard of people on MSE being paid out the £1200 if they or Lloyds don't have any details of premiums paid. I'm still waiting to hear from Lloyds about my complaint but it is similar to yours so fingers crossed!

Ok thanks I'll see what they say in the next couple of weeks.

Hi, During the late 90s and early 00s I had several loans (5 in fact) with Lloyds TSB, all taken out during a meeting at the branch with an account manager. These were all consolidation loans to pay off cards and the previous loan. I started a complaint for all these loans last October/November after sending Lloyds a dsar request which returned some account numbers and a statement for the most recent loan(2004). As these were pre 2005 then I assumed that these were all sold with single premium PPi. On the FOS questionaire the main reason I gave for the mis-sale was that they were single premium policies and that the total cost of the PPI wasn't explained to me and the rebates were unfair. This last week I've had several calls from Lloyds asking for more info - sick pay and death in service benefits from employer etc which I said were very good 3-6months full pay etc Going by this info, what are my chances of a win? Anybody with similar complaint to this? Also if I am rejected then should I take it to the FOS? Thanks

Are you more likely to have your complaint upheld if it concerns a chain of refinanced single premium loans?