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Hoping someone can help, I sent a letter away to lloyds tsb in newport, south wales claiming I had been mis-sold the policy, I have now received a letter back advising that it is not their department that deal with the ppi as the ppi was taken out with an outside company and they have forwarded my letter onto the complaints department , po box 42, peterlee, county durham., as I took my loan out over the phone (top-up) how could it be an outside company when the ppi was taken at the same time as the loan

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Ikonos,

 

Matters not who provided the insurance. If it was lloyds to whom you were making your monthly repayments, it is lloyds who should be handling any PPI refund.

 

I suspect they are trying to pass the buck here.

 

Personally, I would write back to Lloyds telling them as it was they who took your monthly repayments, they should be dealing with your complaint. If they are insistant that they are not responsible, they should put this in writing as their final response so you can refer the matter to the FOS.

 

Good luck

 

DJ

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I've experienced a similar issue.

 

I know the golden rule is to send letters, but i have had very results from phoning Newport, they seem pretty helpful and friendly.

 

I've heard horror stories about LTSB, but in my case, i've been dealt with very well. On one of my complaints, i recieved an offer of full refund plus 8% after just one phone call and within 1 week of complaining.

 

If you need any numbers or help give me a shout.

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