Hi again everyone normally I'm doing the halifax or HSBC.
I recently discovered that my wife had a credit card with the lloyds TSB I searched through the statements that went right back to 2003.( I had these because I tried to get the bank charges back some years ago on it....remember those days boys and girls.?)
Sure enough there was the PPi all dressed up as CARD HOLDER PROTECTION PLAN.
Now at that time when my wife went to them for the card she was dealing with or helping her mother to sort out her accounts with the LLOYDS TSB.
She asked for a card for herself and it was agreed (Remember those days of banks dying to get you into debt so that they could rape and pillage your finances.??) she could have a card.
We didn't even realise that this PPi was on the account until I looked at the statements last November.......since then we had a letter saying that they were looking into it ,then a letter saying they required a further 8 weeks to sort it out, then a phone call askinig if she had ever had a savings account with them (what the hell that had to do with it I don't know.Then we had another call asking us to confirm that would someone of helped her with the payments and was she working at the time >>>? well DER look at the questiuonaire you foreign numpty that we could hardly understand.
As it was, my wife wasn't working at the time and this would of been clear in the application for the card.
Now lloyds have written back sayinyg that they can not see anything in the miss selling of the policy to us that that a booklet with the Ts and Cs was handed over etc..........now surely if it had been made clear by there sales person that due to my wife not being employed at the time and she has always been a housewife that the PPI was not suitable because she wouldn't of been able to claim on it, then I'm sure we would n't of said "oh no please put it on so it costs us more but its worthless."
Do we now go back and say at the point of sale this sales person new my wife's circumstances and still proceeded with the sale
A) we didn't ask for it and nor did we realise that it was on the card
B) Why did they put it on the card know it was worthless to my wife as she wouldn't be able to claim on it due to not being employed..........
its all well and good the sales person ticking boxes at he point of sale then flashing through it to get the signature but iI believe we were genuinely miss sold this on the card my wife isn't fully ofay with figures anyway she doesn't know the difference between 3000 and 30000 so she wouldn't of known anyway.
HAS ANYBODY ELSE HAD A PROBLEM LIKE THIS WITH LLOYDS.....THEY'RE SAYING HE'S INVESTIGATED ALL SIDES AND CAN'T SEE ANY FORM OF MISS-SELLING.(
ANY HELP ANYONE