Lloyds PPI reclaiming. . . Where to start ?

[ims21]

Hi

 

First off, have you got all the statements for these two?

 

If not SAR is going to be the first step.

 

You would then need to prepare a spreadsheet of claim for each of them.

 

Then you need to complete a fos questionnaire for each of them....this is available from the fos website.

 

You would then send your spreadsheet and completed questionnaire to the lender who will have 8 weeks to give you a final decision.

 

I would recommend some reading around the ppi forum as there are many cases which will give you the step by step that you are looking for

 

ims

[ims21]

Hi

 

Time limit for PPI claim or SAR response?

 

ims

[ims21]

PPi claim. I paid 60 per month ! Life ins Inc mort protection ect when we took out our mortgage 7 years ago and we really couldn't afford it but were told we had to to have a mortgage ! Noticed later the chap who sold it to us got an upfront payment of over 1200 and a further percentage for the life of the plan. Stopped paying it a few years ago but still have the agreement in the loft I think. I think we took it out about July 2005 and paid it for about 3 years..

my Lloyds cc was similar and the account is with a dcs at present. We got charged silly amounts because when my husband lost his job the PPI would come out taking us over the limit so then every month we'd get charged silly fees because of this. We asked them to stop the PPI but the refused so I just stopped all payments on the end.Haven't made a payment for about 3 years and owe approx 1050.

 

Hi

 

There is no time limit for PPI claims so get going and get your money back.

 

I take it this guy's commission wasn't disclosed to you at the time?

 

ims

[ims21]

Hi

 

Its good to vent now and then....at least you got that off your chest.

 

For an endowment 20 years ago I think you might be unlucky and you will have to put an awful lot of work in for probably nothing back.

 

I'd stick with the one which has an excellent chance of success myself.

 

ims

[ims21]

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN

[ims21]

Who says you only have 2 weeks?

 

What questions do you need help with?

 

If the debt has been sold there is no right of set off if your claim is successful then you should receive the payment yourself.

 

People will be around on and off I am sure but remember an awful lot of people on CAG have jobs.

[ims21]

Thanks Andy .

I've filled in what I can and off to post .

the best bit is I found the original signed agreement where I clearly ticked NO to PPI which is clearly taken out every month !!

 

That sounds like game, set and match. Don't let them know you have the original for the time being. See what do to try and wriggle.