PPI - bank requesting employers benefits policy??????????

[Wanda2008]

I am at the first stage of requesting ppi refund on loans and credit cards. I have had a response letter from the bank with the standard 8 week letter. However, the credit card response letter is also asking for a copy of my employers sickness benefit policy as this was one but not all of the reasons why i said i was missold. Are they within their rights to ask for this? the credit card agreements go back to 2001-3. I feel that i shouldnt have to provide it now, it should have been discussed at the time..Thanks

[dx100uk]

delaying tactics....

none of their business

so what are they going to do then even if you did have it?

turn around and say oh no this wasn't good enough ...thats why we charged you our ppi!

they didn't ask upon getting the card, so why ask now.

 

dx

[Wanda2008]

Thanks for the reply. I was already thinking that I am not going to supply the info as, you are right, what would be the point now anyway, they should of asked for it at the time

 

Thanks again

[alanalana]

Hello wanda,

 

I am at the first stage of requesting ppi refund on loans and credit cards. I have had a response letter from the bank with the standard 8 week letter. However, the credit card response letter is also asking for a copy of my employers sickness benefit policy as this was one but not all of the reasons why i said i was missold. IMO they have no right to try and confirm you were already covered by your employer. They have to ensure the product they mis-sold was not mis-sold and your employers are arrangements are between you and your employer and have nothing to do with them. Are they within their rights to ask for this? No IMO they have no right to ask. The onus is on them to prove they have not mis-sold and not on you to prove you already had sufficient cover. the credit card agreements go back to 2001-3. I feel that i shouldnt have to provide it now, it should have been discussed at the time..Thanks

 

In line with the response to your post by dx, In the words of Blackadder

give them the reply as follows:

 

response is OFF SOD but not necessarily in that order:eek:

 

This is yet another ploy used to delay the claimant and the Information Commissioners Office and the Financial Services Authority and the Office of Fair Trading should be made aware of this by submission of a Very Serious complaint about their behaviour let the galaxy know what they are trying to do:D

 

aa

Edited February 1, 2009 by alanalana
change in text

[Wanda2008]

Thanks for the advice

[Wanda2008]

I have now had the response back regarding the loan accounts of which there are 3. The complaint seems to have been split in two - credit card and loans. The response was as expectd - 1. asking for copy of employers benefits documents 2. asking for copies of agreements for 2 of the loans as they say they don't have, even tho they previously sent them to me in the SAR docs 3. Basically we don't mis-sell

 

Sent them back the 2nd letter today - asking for them to review and respond in 14 days or am going to FOS.

 

Has anyone else had recent successes with Lloyds, the only ones i can seem to find on this site are older successes.

[Wanda2008]

I have now had a reply from Lloyds TSB. I seem to have three advisors dealing with my claim

 

1. Dealing with loans - been fobbed off with usual lloyds responses detailed plenty of time on this site. Wrote back a month ago requesting reconsideration, and also highlighting my lack of pro-rata refund and asking for explanation. No response.

 

2. Credit card - not compulsory, you had policy booklet. Said it was not their responsibility to probe exisiting employer policies as their insurance would still be valid anyway

 

3. Credit card - can't respond yet - will respond soon.

 

Have now sent all three cases to the Financial ombundsman

 

Any further advice?

[Wanda2008]

Had an unexpected success with Lloyds tsb. After writing to me about the loans and saying 'no' to my claim, someone else wrote to me in my maiden name, the original name on my accounts, and said they were upholding my claim and return premiums plus interest!

 

Had the first of the two refunds today. No interest though. When I rang they said the interest goes into your account seperately and can take upto 21 days.

 

Expecting a total of about £2.5k

 

FOS are still dealing with the credit card side of the claim so will have to wait and see what happens

[alanalana]

Well done keep at them.