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Lloyds TSB PPI


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Some advice if possible please I will try to be brief:

I had a loan that was taken out in 2006 unfortunately after about 15 months I became sick and struggled to keep up the payments and telephoned the bank to inform them of that. At this point I was informed that I had sickness cover and should send the details off which I did. I have had several operations on my hands and wrists and at the present am waiting for an operation on my shoulder. The payments for my sickness continued until February of this year when they came to a halt as a three year period was up and the insurers stated that was all they were required to pay. As a result of this I contacted Lloyds TSB via letter and asked about the insurance plan. I asked the specific question as to if I had purchased the insurance plan why would I purchase insurance cover on a loan for 3years when the loan lasted 5 years. This letter was sent in February of this year. To date I have sent a letter every four weeks to Lloyds TSB, my local branch,and in recent months a copy also to the address on bank statements that I receive. Last week I telephoned Lloyds Bank and was assured that a message would be passed to the two person who I have had dealings with at the bank in the past and was also informed that my message would be passed onto someone in a higher position and that the call would be treated as a complaint. I was told that I would be contacted with three hours of the bank opening i.e. before 12 mid day. Nothing was heard and I have again telephoned leaving the same message, tonight, and also that if i do not receive some sort of response I will make no further ciontact with Lloyds TSB. The loan was for about 15,000 some of which must have been, I now know PPI, and there is £4000 left to pay. When the operation on my shoulder is done I will have still have another 13 weeks on the sick and insufficient income to meet the loan. Any advice please

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  • 1 year later...

Hi

 

Do you have a copy of your loan agreement? This would show whether there was a single premium PPI added to the loan. If it wasn't single premium then it looks like you may have been paying a fixed sum each month as a separate payment.

 

If the policy wasn't fully explained to you at the point of sale then you can put in a claim for mis-selling and request the return of your premiums plus interest and then deduct what you have been paid out in valid claims under the policy.

 

If the amount you have received from the policy exceeds the premiums you have paid then it won't be worth claiming at all.

 

Do you have any base paperwork for the loan at all?

 

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