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Lloyds tsb ppi claim unsuccessful


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I've just recently received a final letter from Lloyds in regards to a PPI claim. Letter stated that I was unsuccessful on the grounds that I did not provide enough evidence to back up my claim.

 

My claim was based around a Lloyds credit card PPI policy that was sold to me during a financial review meeting back in July 2003, during that time I was working less that 16 hours a week in a local pub; having just finished university. I was never informed during the meeting that I wouldn't be covered.

 

Would the next obvious step be the FOS? and in regards to evidence to support my claim, would I need a National Insurance statement for 2003? All I have currently is bank statements showing my weekly pay.

 

Any help or advice would be greatly appreciated. Cheers.

Edited by DECA357
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Welcome to the site.

I am currently assisting another person with the same after Lloyds refused.

How did you take up the card ?

Was it in branch or by postal app/online ?

Have you got any of the terms/agreement ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...
Welcome to the site.

I am currently assisting another person with the same after Lloyds refused.

How did you take up the card ?

Was it in branch or by postal app/online ?

Have you got any of the terms/agreement ?

 

I was sold the policy & card during a financial review meeting in 2003 at my local branch. Think my claim was slightly rushed, in regards to that I failed to send off a SAR request; I didn't have much in the way of the original paperwork.

 

Going to send off my SAR on monday.

Edited by DECA357
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You need to get the SAR sent off and get the credit agreement.

 

Please read though this information from FOS. http://www.financial-ombudsman.org.uk/publications/technical_notes/PPI.html

 

It gives some very useful information which you could use in your resubmission.

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Lloyds will almost certainly say that you agreed to their terms and conditions,had a cooling off period as well as option to cancel at any time.

They will also say that you were provided with a policy summary explaining terms and conditions.

 

Is this case actually at the Court stage ?

If so have they filed a defence? also is Hammonds or SCM dealing ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Deca,

 

Sounds like you have had a standard fobb off letter from Lloyds in the vain hope you will give up believing you have no further options.

 

Of course you know different and come to the right place for help and suggestions on what to do next.

 

The first thing that jumps out in Lloyds letter is that you failed to provide enough evidence. It is their duty to prove it was not mis-sold rather than yours to prove it was.

 

As you have now had a full and final from Lloyds, I suggest your next move would be to refer the case to Financial Ombudsman Service. This will cost you knowing, but FOS will charge Lloyds £500 for the pleasure.

 

It may well take some time for your case to rah an adjudicator at the FOS, I am aware they have been snowed under with new claims, some suggesting approx 2000 new claims received a week for ppi.

 

Also Lloyds have announced they will not be processing any further claims for PPI mis sell until the outcome of the legal challange between British Banking Association and the Financial Services Authority. Which will likely take quite some time to even get to court, then possibly through the whole appeals process. This being despite FSA stating they expect all claims to be processed as normal.

 

As I say, is entirely your choice which route you take, but my suggestion would be FOS as soon as possible.

 

Good luck

 

DJ

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All banks are sending out a FOS questionaire (to those seeking PPI refunds) which they request is filled in.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i beat them

have you sent out the lba?

 

ps..... gota phone call today from bbc journalist they want to interview me friday on claiming ppi......... documentary called rip of britain

anythings worth a go

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  • 2 weeks later...

SAR & CA request with payment sent off this morning, hopefully will hear back from Lloyds in the next couple of weeks. Then I’ll take my complaint to the FOS.

Just to clear up this isn't going court, I still haven’t complained directly to the FOS. Thanks to everyone for their advice up to now, much appreciated. clip_image001.gif

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Lloyds will probably taske full advantage of the 40 days on the SAR they usually do. If you get everything have a look at your contact record they sometimes show up some 'interesting' things which you can use against them

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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  • 9 months later...

After sending my complaint to the FOS back in January, I finally received a letter from LLoyds TSB dated the 01/08 last Thursday offering a full and final settlement of £2753. This was including 8% interest.

The letter stated they would transfer this into my Lloyds current account, how long does it normally take to receive payment?

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It didn't take long with my claim but I honestly can't quite remember. I know they exceeded teh FOS stated time scales regarding calculating teh rebate in the first place but the payment was sent out very soon after I received notification

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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