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Received an offer but unsure of the wording. Any idea's?


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Hi there,

 

I have received an offer from Lloyds TSB today, without any fight from them - yay!

They have also confirmed they will cancel my existing PPI policy as I was still paying it. :whoo:

 

I'm a bit unsure of the wording and wondered if someone could advise me. This is the actual text -

 

Our Personal Loan Service Centre will send you a statement which will show you the payments we have made to your loan account

and will confirm the outstanding balance on your loan.

 

Please allow 21 days for your loan account to fully reflect the payments.

 

I'm concerned that means the will pay the offer into what's left on my loan as I'm still paying it.

 

Have I got it wrong?

 

I hope so as I don't see how they can use this money to reduce my outstanding loan when they fraudulently sold me PPI in the first place!

 

But over the page it says -

 

What will happen now?

 

We will now make arrangements for this payment to be made, which will either be in the form of a cheque, sent to your home address or as a direct payment into your Lloyds TSB bank account, provided you currently hold one. In light of the delay you have experienced we are working to arrange payment on your case as a priority.

 

It goes on to say if I'm happy I don't need to do anything etc.

 

To save me phoning them and looking like a fool, could someone clarify if they beleive I'm getting the payment or if they are reducing my outstanding balance on the loan?

 

Many Thanks for your time.

 

Fi :-)

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surely both.

 

they'll refund what PPI PCM you have already PAID to YOUR POCKET.

 

and take off the outstanding balance - the PPI you have YET TO PAY that was obv front loaded.

 

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 for the speedy reply.

 

Your response is what I initially thought but then I remembered about a friends case a few years ago. He called and cancelled the PPI, which took another few calls over the next few months before his bank actually did cancel the PPI. But they didn't refund him, they just deducted it from his outstanding loan!

 

The offer I received was £5965.30 which included £971.78 interest. I have just checked my account and just the interest amount has been repaid to me. I will try phoning them tomorrow as I can't get my head round it.

 

I know I must sound really thick, but I'm really not a thicko! I dont know anyone who has made a PPI claim and it seems to be a minefield for those of us without any experience!

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On a loan they can only offset against any notified arrears.

 

If there are none OR there is any excess after carrying out the set off then the balance comes to you NOT against the part of the loan which is not due yet.

  • Confused 1

 

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On a loan they can only offset against any notified arrears.

 

If there are none OR there is any excess after carrying out the set off then the balance comes to you NOT against the part of the loan which is not due yet.

 

There are no arrears so that's really put my mind at ease!!

 

Many Thanks, you're a wee star!! :hug:

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I'm sure there are other threads around here where banks have tried this on.....can't lay my hands on them at the mo but have a read around the PPI forum and you'll find them

 

ims

 

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I've had a look around and it looks like they will just use the payment (minus interest) to reduce the balance of my loan!

 

I think this is so unfair as I would have used the money to pay off credit/store card as interest is accruing on these, whereas the loan payment wont change.

 

I think they will be closed until Tuesday so I will try phoning again then. I will say that I object to this and want the rest of the offer repaid to me. At which point they will probably laugh in my face as I dont have a leg to stand on!

 

I knew my claim being upheld without a fight in around 7 weeks was too good to be true! :-x:-(

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I've had a look around and it looks like they will just use the payment (minus interest) to reduce the balance of my loan!

 

 

Only if you give in and let them

 

FSA and fos are quite clear about how these awards should be handled

 

Have a read of No.1 in my signature

 

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Only if you give in and let them

 

FSA and fos are quite clear about how these awards should be handled

 

Have a read of No.1 in my signature

 

Thanks for that, I've had a look and I can't seem to find much about this topic.

 

When I call tomorrow I just plan to say that I object to their proposal. My objection is based on the fact the fact that the PPI was in effect taken from me fraudulently so they have to no right to dictact how the refund is allocated. I will point out that the loan has never been in arrears and I have credit/store cards which are accruing interest and I plan to clear these account with my refund.

 

Does that sound OK? I would have preferred objecting in writing but the letter states I should phone if I'm unhappy with the offer.

 

If they say that will continue as they planned and use my refund to reduce the remaining balance on my loan, should I then say that I will take my complaint to the Financial Ombudsman?

 

I'm very nervous about phoning. I never even considered they would take this course of action. It's a cunning way to keep hold of the pennies; bung me some interest and basically leave it at that!

 

Thanks for all your help so far! It's greatly appreciated.

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OK, so you think everything else sounds OK; just don't wind them up with fraud?!

 

I might just say that I want an address to write as I am keeping a paper trail should I need to go down the legal path.

 

It's worth it for the sake of a recorded delivery letter.

 

Thanks

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no def stop mentioning fraud.

 

i must be honest here and say there are very [if any] few cases of lloyds using your PAID PPI-PCM reclaim total

to off set against anything other that notified arrears and just take it off the balance willy-nilly.

 

they know full well they can't do that.

 

they have refunded 1000's of PPI claims, and after an intitial 'wriggling' session a few years ago

where they failed to refund the correct balance as per FOS guidelines, they are very good.

 

you are reading far too much into a simple letter.

 

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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I got through to Lloyds TSB. The girl advised that they refund the interest portion first and as I'm not in arrears, the rest of the refund will be sent to me direct after my new loan repayments have been calculated!

:whoo::whoo::whoo:

 

She said people commonly thought the letter meant that the refund would be used to reduce the remaining loan balance.

 

Thanks for the constructive replies.

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