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Scouserlad

John V Lloyds TSB

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Hi

 

Here is my agreement from Lloyds tsb along with a statment for the loan account. Could sombody take a look and give me wether it is enforable or not but please use plain english and not techy words sorry but i'm new to this

 

Regards

John

 

img001c.th.jpg

 

img003ntw.th.jpg

Edited by Scouserlad

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I'm not sure about the enforceability of your agreement but i see that you have been sold a single premium PPI policy. These types of policies sold under this method are frowned upon by the FSA so even if you find your agreement is enforceable i would certainly dispute it on that basis and demand a refund of your premium under the policy.

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Hi

 

I have made a claim on the ppi can i still claim a refund if so is there a template letter for this ?

 

Regards

john

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BUMP

 

Quite hard to see the agreement on my machine. However, your agreement quotes two different rates of interest, so you can probably resist or fight it on the basis of illegal charges.

Thoughts, people?

Regards

Liz


Oops, there goes another rubber tree plant!

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Hi

 

Lloyds TSB have passed it to Credit Secuirty Limited demading the full sum. What should i do ?

 

John

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I am not sure if you would be able to claim a mis sold policy if you have made a claim on the policy though.

 

Have there been any charges applied to the account for late or missed payments you can claim back.

 

I am not able to advise if your agreement is compliant with the regulations.

 

So for the moment, perhaps it would be a good idea to write to the DCA and advise the account is in dispute. Give yourself a bit of breathing space in order to find out more information.


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THe agreement looks OK to me - ie it is enforceable (although I haven't checked the sums).

 

No, you cannot reclaim mis-sold PPI if you have made a claim - they (presumably) paid up in good faith - the fact that they paid up means the policy was appropriate to your needs - ergo, not mis-sold.


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