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PPI Lloyds TSB FOB OFF LETTER - help


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Hi to all, Help needed for this one please.

I have already done the SAR for my lloyds tsb credit card and been successful in reclaiming back the late payment fees (although I didn't at the time charge interest because was unaware I could). Looking thru the statements I noticed PPI, which I now vaguely remember a heated conversation on the phone with them demanding they remove it (a couple of years in) as I realised I would not be able to claim under their T+c's as I was self employed. I have now requested the PPI back plus the CI and have received a get lost letter and a copy of my original agreement with my signature on it and the box ticked for accepting PPI. My memory is vague on this as it was dec 2002 but my policy has always been to refuse any kind of ppi on anything for the length of time Ive been self empld-20 years!!

Their letter states

When the cover was arranged we sent you the policy document which explained in detail the t+cs of the contract. The policy document alsoasked you to ensure the cover met with your requirements and that you had 30 day cooling off period. ....... it is your responsibility to read and understand the T+Cs.

I should also explain that the premiums have been shown on your statements so you have always had the opportunity to query and cancel if you felt it unsuitable (which I did)

They go on to say that although Im self empld it did not exclude me from the unemployment section of the policy or the life benefit or Positive Jobs solutions (whatever that is). They go on to say this is their final response so basically bugger off.

 

Im an entertainer- singer, so them getting me a job would be laughable. Only now have I found out that it truly would not have covered me (as my gut feeling has told me for all these years) and I honestly believe it was missold as they knew I was self employed when I took the card. I also have no recollection of agreeing to the PPI (which I doubt I did) and that the 'tick' could have been placed in the box after id signed.

 

What do I do now??????

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Hello and Welcome, aztecmusic.

 

I'm not to hot on PPI, you will get the help you need, it may take a few hours ;)

 

In the meantime, have a look at this, may help :)

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi aztecmusic

 

Absolutely have a look at the link provided by maroondevo52 above!

 

I am claiming back ppi for my mum from lloyds. They sent about a standard reply saying not mis-sold, you signed blah blah but I kept on at them - we have just recevied the ppi premium back but they havent included interest. I didnt quote any figures in my first letter so it might be worth you working out how much you have been charged for the ppi and interest and then work out the additional contractual interest on top! There is a calculator in the templates library thread which I have tried to use but its a bit too complicated for me so I have asked for help with my calculations on my thread!

 

They will try to fob you off at first but you def seem to have a good example of mis-sold ppi so keep at it!!

 

FBD x :D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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fatboydukey is spot on what more can I add!

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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Hi to all, Help needed for this one please.

I have already done the S.A.R - (Subject Access Request) for my lloyds tsb credit card and been successful in reclaiming back the late payment fees (although I didn't at the time charge interest because was unaware I could). Looking thru the statements I noticed PPI, which I now vaguely remember a heated conversation on the phone with them demanding they remove it (a couple of years in) as I realised I would not be able to claim under their T+c's as I was self employed. I have now requested the PPI back plus the CI and have received a get lost letter and a copy of my original agreement with my signature on it and the box ticked for accepting PPI. My memory is vague on this as it was dec 2002 but my policy has always been to refuse any kind of ppi on anything for the length of time Ive been self empld-20 years!!

Their letter states

When the cover was arranged we sent you the policy document which explained in detail the t+cs of the contract. The policy document alsoasked you to ensure the cover met with your requirements and that you had 30 day cooling off period. ....... it is your responsibility to read and understand the T+Cs.

I should also explain that the premiums have been shown on your statements so you have always had the opportunity to query and cancel if you felt it unsuitable (which I did)

They go on to say that although Im self empld it did not exclude me from the unemployment section of the policy or the life benefit or Positive Jobs solutions (whatever that is). They go on to say this is their final response so basically bugger off.

 

Im an entertainer- singer, so them getting me a job would be laughable. Only now have I found out that it truly would not have covered me (as my gut feeling has told me for all these years) and I honestly believe it was missold as they knew I was self employed when I took the card. I also have no recollection of agreeing to the PPI (which I doubt I did) and that the 'tick' could have been placed in the box after id signed.

 

What do I do now??????

 

 

Hi there.

Just to say do not worry at this stage.

I too had exactly the same letter and is a standard fob off, more than likely a template they use.

 

I was a housemaker with 2 children although hubby working but this was my own card, they made the same excuse about job solutions, hospitalisation and so but don't let this put you off.;)

 

Mine is now with the FOS waiting to be passed onto an adjudicator, and with mine they had marked the part for the cover and was not explained anything about this.

 

This was however in 2001 and all settled in 2004.

 

Keep going hun and don't let that standard fob off template they always use put you off, you will get justice in the end. Good luck anyway.:)

 

Di.

x

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Does not matter if you signed or not the fact is you where self employed and if they did not make you aware of that very important fact mis-sold end off.

 

As i see it the PPI industry have a duty to ensure that the ppi policy is fit for purpose.

 

Regards

 

Leon

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Many thanks you guys for all your advice and replies. Will head onto the FOS, Was just unsure whether to go to court or the FOS.

Will try one more letter to them just to see if they reply. I have their direct fax no, so i fax them - its quicker.

Thanks again x

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Hiya

 

I was advised by another helpful member on here that if I went down court route first and failed then I couldnt go to FOS so he advised to go to FOS first and if that got me nowhere go to court! (I havent got that far yet tho)!

 

 

FBD xx :D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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