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    • Hello,

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds Loan PPI Reclaim


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I had a loan with Lloyds in 2000, ended in 2001. I paid it back early and don't think I got anything back on the PPI.

 

I complained to Lloyds about this. They are saying they can't/won't look at anything over 6 years old. It's only just over 6 years since the loan ended.

 

I read on PPI Reclaiming Guide: Free template letters to get £1,000s back on loan insurance... that you can claim back over 6 six years on PPI (I have all the paperwork).

 

Can anyone advise me what the 6 year rule is and why its in place etc? If needs be I can post the letter I got from Lloyds.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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We changed our morgage over to LloydsTSB in 1999, sent the 1st letter to them and like you they said as it was over 6 years since we took out the ppi we were timed out! Have sent the 2nd letter, not giving up on this as they deff mis sold to us!

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If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for the link but I've read this already but I'm unsure how this fits in with me....... It seems to be about bank charges and this is PPI that I'm claiming back. I'm quite confused as to what they are talking about so here is the main part of the letter:

 

Thank you for your letter in which you state following and FSA investigations (I never said this in my letter) you feel you were mis-sold Loan Protection insurace with your loan taken out in December 2000.

The Financial Ombudsman Service guidelines states under section 2.3 Time Limits for referral of complaint to the Financial Ombudsmun Service, DISP 2.3.2 (1) ©:

 

The Ombudsman cannot consider a complaint:

 

More than six years after the even complained of or (if later) more than three years from the date on which he became aware (or ought to reasonably to have become aware) that he had cause for complain, unless he has referred the complaint to the firm or the Ombudsman within that period and has a written acknowledgement or some other record of the complaint having been received.

 

Legal limitation periods apply on contract law and the time limits for the referral of a complaint to the FOS follow these rules. The legal limitation periods have been implemented to avoid the administration expense of examining "stale claims" and to avoid potential injustice to defendants in reviving old wrongs. The length of time that has elapsed since the sale of your insured loan is such that any allegation of a mis-sale made after this time limit would be prejudicial to the firm being able to defend the allegation.

 

The FOS can consider complaints outside the time limts mentioned above when, in his view, the failure to comply with the time limits was as a result of exceptional circumstances.

 

I do not believe that the recent FSA and OFT investigations that you mention (I never mentioned this at all in my letter) would be considered to be exceptional circumstances and I am therefore sorry to confirm that you complaint is, in my opinion, outside the jurisdiction of the FOS.

 

The letter goes on but this is the main part..........

 

It seems like a standard letter but I'm unsure how to reply!

 

Can anyone help me please?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Thanks for the link but I've read this already but I'm unsure how this fits in with me....... It seems to be about bank charges and this is PPI that I'm claiming back. I'm quite confused as to what they are talking about so here is the main part of the letter:

 

Thank you for your letter in which you state following and FSA investigations (I never said this in my letter) you feel you were mis-sold Loan Protection insurace with your loan taken out in December 2000.

The Financial Ombudsman Service guidelines states under section 2.3 Time Limits for referral of complaint to the Financial Ombudsmun Service, DISP 2.3.2 (1) ©:

 

The Ombudsman cannot consider a complaint:

 

More than six years after the even complained of or (if later) more than three years from the date on which he became aware (or ought to reasonably to have become aware) that he had cause for complain, unless he has referred the complaint to the firm You write to them and tell them that you are aware and want it back or the Ombudsman within that period and has a written acknowledgement or some other record of the complaint having been received. Are they not stating this to you

 

Legal limitation periods apply on contract law and the time limits for the referral of a complaint to the FOS follow these rules. The legal limitation periods have been implemented to avoid the administration expense of examining "stale claims" and to avoid potential injustice to defendants in reviving old wrongs. and righting the wrong doings The length of time that has elapsed since the sale of your insured loan is such that any allegation of a mis-sale made after this time limit would be prejudicial to the firm being able to defend the allegation. and therefore would hopefully be home and dry and not have to refund the monies.

 

The FOS can consider complaints outside the time limts mentioned above when, in his view, the failure to comply with the time limits was as a result of exceptional circumstances.

 

I do not believe that the recent FSA and OFT investigations that you mention (I never mentioned this at all in my letter) would be considered to be exceptional circumstances and I am therefore sorry to confirm that you complaint is, in my opinion, outside the jurisdiction of the FOS.

 

The letter goes on but this is the main part..........

 

It seems like a standard letter but I'm unsure how to reply!

 

Can anyone help me please?

 

Hello,

 

This is probably just a template letter that they are sending out to all of the complaints they are receiving regarding mis-sold ppi. Probably most will not pursue this a they feel that there is no point. This is what they want you to believe. You did believe them about the ppi didn,t you!!!!!!The fos will not investigate complaints if they occured after 2004, but this does not mean that you cannot pursue it and you have the power to allow a judge to look at this.

 

The link discussed issuing claims for issues, whether it be bank charges, ppi, other issues, etc etc, for dates which are longer that 6yrs, The limitation act.

 

It is the fact that regardless of when the issue happens, they did not disclose the true facts that they had done it, and you now have become aware. and you want it back.

 

Read around the threads and even speak to the FOS and see what they say.

 

The normal reaction of these companies, is to deny, and deny and to try to put you off.

  • Haha 1

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Thanks for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

 

:D;):D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

 

 

Could you direct me to 'the bit from the limtations act' please?

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  • Haha 1

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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