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steve76

Lloyds Tsb ppi claim

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Hello all

 

My claim for mis selling of ppi on a credit card with lloyds went to the financial ombudsman and the adjudicator went in my favour , however Loyds tsb didnt agree with his recommendations so the case was sent to an Ombudsman , this was sent to the ombudsman in august 2010 and still no movement , Anyone having similar issues and whats the time scale regards backlog etc

 

many thanks

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I think everyone is having problems with any Lloyds claims that are in progress they are basically refusing to furnish FOS with the information that they need to progress cases. Also the volume of cases that FOS have regarding PPI is also absolutely fecking huge and they can't cope


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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Can agree with that! I been waiting almost 18 months from my initial letter to Lloyds, did get a pay out which though substantial still wasn't correct, so went back to the FOS in September last year and am still waiting for a decision. Despite many emails and telephone calls it's aways been a case of the adjudicator having to chase the bank and from the sounds of it being fobbed off! Stick with it steve76, we can't let the banks continue to get away with it!

Mikey40

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Still no outcome , this is well over a year old now since first sent to financial ombudsman and was sent for a final decision by an ombudsman in august

 

Any one else in similar situation as im curious about the backlog and how far back it goes , whenever i ring they just say waiting to go before the ombudsman , it seems to have completely stalled , surely it doesnt take over 6 months to reach a final decision after the adjudicator had already agreed i was mis-sold ppi , seems Lloyds TSB's refusal to accept responsibility is paying dividend again

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I think it may be taking that Long the FOS is completely inundated since the PPI reclaim thing became headline news - everyone is doing it


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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Does anyone think if i wrote to TSB stating that my ppi claim has been with FOS over 12 months awaiting an ombudsmans decision they may make me an offer baring in mind the recent court case ???

 

There just doesnt seem to be any light at the end of a long tunnel with the FOS , just a continuous waiting game

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Has anyone had any response recently from " The Ombudsman " relating to a PPI claim going back to start of 2010 ??? I was told that my case had been passed to an Ombudsman to review but still not heard a thing , it is nearly 12 months since the Adjudicator at FOS wrote to TSB in my favour and now the months keep passing with no results

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Hi there

 

fos is a very slow process and probably made even worse by the recent judicial review findings. I fear you might have quite a wait yet unfortunately.

 

Probably why advice is now moving towards the court route rather than fos.

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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My complete against lloyds PPI was sent to the FOS in July 2008. An adjudicator wrote to me on the 19th May 2010 saying that he had written to \lloyds recommending that it makes me a settlement and also pay me £200.oo compensation for distress and inconvenience.Lloyds did not respond and the complaint was referred to an ombudsman. Letters arrive periodically saying that they are very busy and will deal with my complaint ASAP - STILL NOTHING HAS HAPPENED THREE YEARS FROM THE START OF MY COMPLAINT

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might be worth writing to lloyds again saying that in view of the judicial review you want them to look at your complaint again. I have written to Santander and Tesco, and previously having reached the end of the road with them and the complaints being with the ombudsman they seem as though they are going to look at them again - worth a try!


GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Do you think I should, even though its wih the Ombudsman? I wrote on Saturday to them, expressing my disapointment that the case was still not resolved.

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Yes, go for it, if you get a result its one less for the FOS to deal with and all you have to do is let them know.


GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi

 

Send them LBA and give them 14 to settle then take to court. See this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?309877-Missold-PPI-Capital-One

 

As long as you dilly dally then so will they. If the ombudsman has said they have to pay than that is the end of it. Go down the small clams rouote, it is the only language they understand. They have stolen your money and no amount of reasoning will make them pay it back unless there is a court order.

 

good luck

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Thanks for all your advice. I have a copy of the original agreement, which shows quite clearly the "tick" in the No box for PPI. I had a secure job and because my credit usage was small, did not require it. However Lloyds say they offered it by telephone at a later date, which happened to be the 14th August 2003. I definately know they are lying because I'm never home on that date. I always, always visit my mother on that date because it is her birthday. They've never proved their phone call. Its a pity that three of the witness' at her party have since passed away and I only have my duaghter's word about my attending this annual party.

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I have to say that if I had an agreement with the "No" box clearly ticked and some heresay telephone conversation, I'd be off down to the Courthouse on the hurry up.

 

Agreed to it in a phone conversation? Yeah right!

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I suppose I'm a bit scared of the court route, because of the costs involved. Having laid out several hundred pounds for my children and step children over bank charges and getting nowhere. I could afford to help them at the time but now I'm not so well off. Anyway I suppose the LBA would be a start. Is there a template for it anywhere. I've used the bank charges one a few years back, but can't find it now.

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Personally I like the templates here

 

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

Just amend it so that the wording reflects an lba and gives the time limit for response.

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi

 

I understand your concern however I am almost sure they will not allow it to go to court. Have a look at my thread and the letter I sent http://www.consumeractiongroup.co.uk/forum/showthread.php?309877-Missold-PPI-Capital-One

I am in the exact same situation with capital one where they are saying I agreed over the phone then sent docs in post with 30 days cooling off period. The whole thing is fiction.

 

I basically asked them to prove all of it. Here is a copy of the letter I sent

 

I am writing in response to your letter dated 13 June 2011. Thank you for getting back to me with your interpretation of events however I am left feeling slightly concerned. In my recent Subject Access Request dated 14th March 2011 I asked for all information held by you with regards to the above account. I specifically asked for any information regarding the PPI applied to my account.

First of all you informed me that PPI was applied to my account from Sep 2001 however the information you sent only shows PPI payments starting on Mar 2004, a blatant attempt to conceal information. You refer to a phone conversation where I opted to purchase PPI and a subsequent letter allegedly containing a policy document. There was no reference to either the phone callicon or the letter you say was sent.

I believe this to be a deliberate attempt to withhold information that you were legally bound to provide me with under the conditions of the Subject Access Rights Notice. I will be making a formal complaint about this to the Data Commissioner or relevant authorities.

 

What I require you to do.

1. Provide evidence of the alleged phone callicon in the form of:

Date and time of call.

The process the Rep. had to go through.

The questions the Rep. asked.

Any data recorded by the Rep. made as a result of the call.

Any voice recording made of the call.

The exact details the rep would have explained to me (assuming the call happened, which it didn’t)

Details of how, exactly, was the optional nature of the policy explained to me.

 

2. An exact copy of the policy document allegedly sent .

 

If, as you say, your representatives were given detailed training then there should be extensive training documents and other information regarding quality control of the process. There will also be information regarding the number of Reps who did not follow the ‘script’ and failed the quality control process.

I know I am not entitled to see this information under the data protection act however I will be asking for it to be provided if I take this to court.

I would also like to bring to your attention the fact that in your last letter you said you would include a copy of the policy document and it was not there. So much for your quality control systems.

I am willing to put on hold the time scale set by my letter before actionicon and will give you a further 7 days to respond to my request.

 

Regards

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Good news Lloyds have sent me an offer, which I'm happy with. Be warned though it will take up to two months for the payout.

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Well done.


GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Wandering if you could help, I got a letter over 6 weeks ago with my offer. I called them and they told me a cheque will be sent within the next 6 weeks, suprise suprise still waiting!! Have you received your cheque yet? I'm fed up calling them cos it takes over an hour just to get tho! Any info when I might get it? Ta

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Wandering if you could help, I got a letter over 6 weeks ago with my offer. I called them and they told me a cheque will be sent within the next 6 weeks, suprise suprise still waiting!! Have you received your cheque yet? I'm fed up calling them cos it takes over an hour just to get tho! Any info when I might get it? Ta

 

Report this to fos who will be able to "stimulate" them into paying up. Ask for another 6 weeks interest as well

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Report this to fos who will be able to "stimulate" them into paying up. Ask for another 6 weeks interest as well

 

ims

 

Thanks, I have called them fos today and I've been told to wait another 6 weeks! the man I spoke to wasnt that helpful, Also I called TSB and they've advised all payments have been put on hold for another 6 weeks, as some people are getting thr wrong amount!

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