LLoyds PPI and Bank Charges REclaim help

[the_shadow]

yep and the devils in the terms and conditions.....

 

S.

[Mr Worried]

Hi All

 

Just a quickie on behalf of a friend......OK initially I told him to register on here but he never did, then I advise him to send letter re ppi claim blah blah, instead he called them and over 3 days and 4 telephone calls they have deemed that the info he gave them from questions answered justifys their decision to inform him that he has 'no claim' although he has paid ppi etc.

 

Standard letter by return post/ or something meatier?

 

Cheers

 

Mr a little more chilled these days since the repo, a short while ago.

[dx100uk]

always do say that

 

prob says

 

we think the process was correct

 

they weren't there at the time

 

how can they speculate it was correct

 

call their bluff.

 

dx

[Mr Worried]

Will a standard sec 78 suffice or a dsar?

 

Mr Hesitant this morning

[dx100uk]

not sar

 

dx

[Mr Worried]

not sar

 

dx

 

Ta for reply, I would of thought a std sec 78, but since they have already had comms I think a ppi claim would be better?

[dx100uk]

that came out wrong

 

you need to send the SAR

 

CCA will not give all the history.

 

dx

[Mr Worried]

that came out wrong

 

you need to send the SAR

 

CCA will not give all the history.

 

dx

 

Great, so a nice dsar await info then respond with a complete ppi claim etc. isint that what the ppi claims companys do?

[dx100uk]

yep but for a fee & +30% of your reclaim too

 

oh and 20% VAT!!

 

easy to do it yourself

 

info below

 

dx

[Mr Worried]

yep but for a fee & +30% of your reclaim too

 

oh and 20% VAT!!

 

easy to do it yourself

 

info below

 

dx

 

Oh yes I am aware of their fee's, and once again Thank you.

 

Mr

[Mr Worried]

Just been informed by friend that he has comms from tsb saying when he took out loan it was 2005 and therefvore not regulated?

[dx100uk]

prob them saying we were not regulated by 'whatever' then

 

so we can get away with it.

 

can you get a scan of the letter please

 

dx

[Mr Worried]

prob them saying we were not regulated by 'whatever' then

 

so we can get away with it.

 

can you get a scan of the letter please

 

dx

 

I will ask the question, should be ok tho.

 

Mr

[Mr Worried]

Hi All

 

An update, mate has got a letter from TSB stating bogg off and go to ombudsman, they never sent for sar either as did not want to waste the money?

 

Is it still the sar or straight to ombudsman? if its the sar then is that not limiting the timescale for ombudsman complaint?

 

Mr

[dx100uk]

no

 

you need to counter the fob off letter.

 

prob just says our processes were perfect

the FSA rules go against using such 'mere speculation'

 

dx

[Mr Worried]

no

 

you need to counter the fob off letter.

 

prob just says our processes were perfect

the FSA rules go against using such 'mere speculation'

 

dx

 

And thats all it is 'Mere Speculation ' so a straight sar then?

 

Mr

[dx100uk]

i would collate any info

before we chose the route to attack

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

 

Might be useful

 

dx

[Mr Worried]

Very usefull, 99% the same scenario, will have a tweak at it tomorrow.

 

Thank you

 

Mr

[Mr Worried]

Update from TSB

 

Dear mr Bloggs

 

Thank you for bringing this to our attention blah blah.

 

Further to your telephone call of Nov 2012 in which you rejected our decision not to uphold your ppi complaint I have considered your complaint in light of other info provided.

 

On considering this information I do not beleive it introduces anything that changes the original decision and I am still unable to agree that the policy was mis-sold.I therfore do not agree that you have demonstrated that there was a problem with the sale of our policy.

 

As such I am still unable to agree that your complaint should be upheld.

 

When we issued our original decision we advised you of your right to refer your concerns to the FOS. and you have 6 month from date blah blah to do so.

 

Yours Sincerley

 

Cheryl Castalado.

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

 

Wadya recon

[citizenB]

As we are not seeing the letters that your pal has been sending to back up his claim, then we cant really comment on the responses from LTSB.

 

For instance.. the first sentence of the letter you have copied above states..

 

"Thank you for bringing this to our attention".

 

What was brought to their attention ?

 

I think your friend was very shortsighted in not sending the SAR off - that would have almost certainly provided all the information to assist the claim if you are concerned about the time scales with the Ombudsman then you should probably now try that route, but make sure the complaint is sound before submitting it.

[Mr Worried]

Hi CB.

 

I will get the comms this weekend and post up.

 

Thank you

[42man]

Lloyds TSB are one of the worst, from personal experience when you complain they do not answer questions properly. I took a relatives claim straight from their pathetic answer to the FOS and the FOS found in my relatives favour....just go straight to the FOS from here. If they had half a brain they would pay up to avoid the £450 the FOS will charge them. In my relatives case they just offered PPI without carrying out any kind of needs assessment whatsoever, and when quizzed about that particular point in my initial request they just ignored the point completely...

[Mr Worried]

Lloyds TSB are one of the worst, from personal experience when you complain they do not answer questions properly. I took a relatives claim straight from their pathetic answer to the FOS and the FOS found in my relatives favour....just go straight to the FOS from here. If they had half a brain they would pay up to avoid the £450 the FOS will charge them. In my relatives case they just offered PPI without carrying out any kind of needs assessment whatsoever, and when quizzed about that particular point in my initial request they just ignored the point completely...

 

Hi 42

 

It seems like they swerve simple questions and answer what they want, I sent for the sar and they are obviously aware of that as they have called my mate 3 times since the request, yet they had not bothered him before, the latest letter from them to him is probably bourne from the sar request. I will update here later with all TSB comms.

[dx100uk]

the trick with lloyds is NEVER EVER allow a 'phishing' phonecall

 

they ask you loaded questions to enable them to wriggle

 

dx

[Mr Worried]

Same crap different day, My mate sent a cca, then sar to Lloyds re his loan etc, over 3 month later and still no response? where now for him.

 

I have another mate who wants to make a claim to tsb, ppi etc re his 3 loans, is it still the norm cca 1st then sar or straight to the sar outlining that he wishes to make a claim for ppi ?

 

Mr unsure