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karens25

lloyds mis sold lpi?

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hiya

im not sure if this counts as mis-selling... briefly, i took out a loan with lloyds in july 07, the loan protection insurance was added in a lump sum as was the case then, having just received, at my request, my personal loan documents i have noticed this little discrepancy...

 

the box headed PLEASE TICK AND SIGN.....is as follows

 

i wish to purchase loan protection insurance ( ) (please tick) there is no tick!!

i understand that i am purchasing the product(s) ticked above on credit provided by you and that the terms relating to the credit for the products can be found under key financial information. other information and condition 1.4 of this agreement.

 

signature of borrower(s)

 

date of signature(s)

 

i have signed and dated the agreement but never ticked the box...

 

do i have a case?

 

thanks in advance

karen


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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most def.

plus you can also rely on many of the other reasons in the guidance notes in the red sticky above this forum.

 

 

off you go get it back.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thank you very much!!! and for your extremely prompt response!!

 

kx


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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hi

sorry got a bit giddy yesterday!! went off to start to get my money back and realised i dont really know which letter i should be sending???

any help with the wording would be gratefully received...

thanks

karen


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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look in the stickys at the top of this forum

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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hiya

sorry if im sounding a bit thick.....i have had a look at the stickys but couldnt really find one that said... there is no tick in the box (ish) is it that the agreement is not properly executed? just not really sure how to word it.....

thanks

karen


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Hi Karen,

 

There are not a lot of PPI templates as everycase is quite different.

 

You just need to send them a letter outlining the situation with a copy of your agreement clearly showing 'No' tick.

 

Jogs

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hi jogs

 

thank you for that, will do..

 

karen


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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hi

finally i got round to sending the original " i want my money back" email to lloyds pointing out that i wasn't told the insurance was optional, but more importantly the tick box, saying i wished to purchase it, was never ticked!

i have recived their response which im guessing is the bog standard letter everyone receives... they say as i have raised a number of concerns (2) they will respond to each one individually, the only response they have made is that is to the fact that i claim i was never told it was optional, no mention of the tick box thing!! then they go on to offer me £814.12 rebate if i choose to cancel my insurance now and that will be taken off the outstanding balance, they also say that this is their final response and the matter is now closed, er, not for me its not!! and i should contact the fos if im not happy!!! which im not! as they havnt even addressed the main issue, do i write back?

all advice gratefully received

thanks in advance

karen


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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....anyone? im really stuck here as dont know what my next course of action should be if it helps, i have been paying £41 per month insurance since july 07.. plus interest of course, a little more than £814.12!!!!

thanks

k

Edited by karens25

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Do not bank the cheque as this will be shown as acceptance of their offer. Write to the FOS but expect a long wait.

LTSB usually deny any problems and about 98% of cases from them are proven by the FOS.

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hi

ive been away for a bit!!

thank you for your advice, i cant believe they chose to ignore the major issue, i.e the tick box that wasnt!! that surely would never stand up in court, that along with countless other issues i have!!

i might just drop them a line outlining this and then get on to the fos!

thanks again

k


cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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