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lloyds tsb ppi offer


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Can anyone give me some advice

 

i had a loan since 1998 with lloyds tsb,

 

i defaulted and a debt collection agency bought the loan,

 

i was made an PPI offer of £3039.21 in oct 11, saying i would recieve cheque.

 

In Nov i recieved another letter saying the original offer was wrong and my new offer was 5382.62

again stating a cheque would be sent to me

 

ive contacted lloyds and twice they said as the bank no longer has my loan i have no ties with lloyds

and it was correct the cheque would come to me.

 

does anyone know if this is correct?

 

if so will lloyds inform the debt collector they have paid me out?

 

if i recieve money am do i have to infrom debt collector and pay them?

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no you do not

if the debt is sold tough luck to them!!

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks im just concerned another letter will come saying they made another mistake and payment going to them, also to be honest i aint got a clue if the amounts are correct as i have no paper work

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bit silly if you claimed without knowing what you should get

 

pers i would sar them

 

you say there is a debt?

 

does it show on your CRA file?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

If the debt has been sold then the bank cannot automatically offset the ppi refund to the new owner as they have no rights/interest in the debt now. Any and all refund of PPI must come to you.

 

If the bank are silly enough to refund to the other party, you are entitled to go after the bank for the full amount of the refund on that basis.

 

Simply put, if the bank have sold your debt YOU get the refund....no one else.

 

ims

 

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Thanks for that, do i have to inform dca or will the bank do that

 

You are under no obligation to tell ANY dca about your personal financial affairs.

 

If you give a bit more history on this we can establish whether you are being fleeced.

 

ims

 

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the offer i originally got was as follows:refund of premium £169.64early settlement difference £1077.808% interest £1791.77previous accepted claim -£1058.92 (sickness claim i made)total refund to me £3039.21i then recieved another letter saying that was incorrect and the new offer wasrefund of premium £1535.70early settlement £2130.628% interest £2775.22previous claim -£1058.92total £5382.62This loan was took out in 1999, at £264 per month over 7 years (ive no paperwork)

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Hi

 

To enable you to get a full picture you would need to send a Subject Access Request (SAR) to the lender to get as much info as possible. Template in the CAG library which is linked at the top of every CAG page in green.

 

Cost is £10 and they will have 40 days to comply.

 

From the info that comes back it should be possible to work out what you are due.

 

ims

 

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Responding to S.O.S. The person I advised I would direct to your thread has already responded :) So I will leave you in his capable hands.

 

As advised, you do need to "post" a Subject Access Request, include the £10.00 fee and then, sadly wait the 40 days for them to comply. As this is LTSB, they will actually take the 40 days.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Thread moved to PPI forums

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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