Lloyds credit card with PPI and Marlin Europe

[Nath123]

Hi all,

 

I'll aplogise now for such a long winded post.

 

In 2006 I had a credit card with Lloyds with PPI, I went to claim and I couldnt because I was self employed. Now I started proceedings back then to claim back this PPI, after a long drawn out process I gave in and never heard from Lloyds again.

 

As I got wiser and older I realised they had infact just defaulted the account on my credit file. I wasn't best impressed and contacted Lloyds to continue trying to get my PPI back and any charges squashed.

 

However Lloyds was now telling me that they had no information what so ever regarding this account, they searched my name, my address and any linked accounts to my current account. They said it didnt exist.

 

I left it again until one day I received a letter regarding PPI and outstanding balances, it basically stating if i claim PPI they will take it off the balance of what I owe them. This letter however had the account number on it.

 

I've filed for the PPI back and receieved a letter confirming they are looking into it. I even received a phonecall asking me further information about my self employment, they wanted to know how long before the card was I self employed. Roughly 12 Months.

 

I receieved a letter on the 10th of Oct, this just acknoledged that I had made a complaint.

 

Now I have just receieved a letter from Lloyds explaining they have sold the debt on followed by one from Marlin Europe explaining that they are now the people to speak to regarding this debt.

 

I rang Marlin in a bit of a rage explaining the situation, the bloke on the other end seemed to know is job very well and pressed the right buttons to push me into further rage.

 

I finished the call and I rang lloyds, lloyds said they had sent me out a final decision on the 20th of Oct which I never received.

 

Marlin are chasing the exact amount as Lloyds defaulted me on so it looks as if I have been unsuccesful in claiming back the PPI. Since contacting Marlin they have rang me several times both on my mobile and on my business line.

 

Any ideas on what to do next?

[dx100uk]

NEVER EVER phone a spoofing DCA

 

esp marlin

 

they are NOT bailiffs & can do little to you.

 

does the PPI outweigh the OD balance?

 

dx

[Nath123]

I am not sure of the amount of the PPI as I have never been able to request such information with lloyds being unable to give me the account number.

 

I very much doubt it.

 

Thanks for the response greatly appreciated.

[dx100uk]

ithink the next move will be to SAR lloyds

 

dx

[Nath123]

Sent the SAR off today 1st Class recorded to

 

Lyn Cook DSAR Team,

Lloyds TSB BANK PLC,

Customer Service Recovery,

Charlton Place,

Andover,

SP10 1RE

 

Thanks very much for your time in helping me try to resolve this once and for all.

[2Grumpy]

Marlin have just contacted me re a LTSB current account - I wonder why they are flogging these? Mine is very iffy

[Nath123]

Marlin have just contacted me re a LTSB current account - I wonder why they are flogging these? Mine is very iffy

 

Have you recently tried to reclaim your ppi?

[Nath123]

Still not received my letter with the final decision, rang them again and was told it could take seven to ten days. Today is the ninth and still nothing.

 

Receieved numerous phonecalls and letters from Marlin, I simply said I do not wish to speak to them regarding this account as I have yet to finish communications with Lloyds regarding it.

 

Also receieved the SAR back from Lloyds explaining due to me not having a iopen account with them I can only go into a branch to obtain such information.

[dx100uk]

urm..

 

not heard of them pulling this dodge in this s ituation before

 

i've heard they usually deliver to a branch of your choice

then you go in with ID to get it.

 

so they are still going to give the SAR info though?

 

marlin..correct, just tell them to go away.

 

dx

[Nath123]

Maybe a mis communication between me and the "Mrs", I'll have to double check when I get home but your probably right about collecting with id from a branch.

 

I'm naffed off with not having received the final decision yet, they explained they send 2nd class but I send items out daily using 2nd class and have yet to see any of my items take 7 - 10 days.

[Nath123]

Seems you was right dx100uk, they returned the cheque with a covering letter and another form to request to send it to a branch of my choice.

 

One thing I find strange is, I sent the cheque payable to blank as I wasnt sure who to make it payable to. They have returned it but scribbled Halifax across where you would write the payees name.

 

Odd!

 

Nathan

[Nath123]

Still no final decision letter from Lloyds, been on the phone again this morning and asked them whats going on? 10th October first letter was sent out, 20th November second letter sent out and I'm yet to receieve any. I asked her could she email me the letter she said no but was willing to tell me what it said.

 

The letter states not enough evidence to issue me any kind of refund and that I should contact the FO.

 

 

Edit) Still awaiting response from the SAR.

[Nath123]

Received a letter from Lloyds regarding the SAR, they have aknowledged they have all the information and I should receive what I have requested by the 14th of January, they have also stated if I require statements to get in touch?

 

Surely they dont think I just want to know what products I've had from them for £10?

 

Still waiting on the final response letter too for the ppi.

[Nath123]

Just called them on the 0845 0707 124, straight through to a very helpful lady who confirmed all the details and added that I want statements.

 

Best service so far from Lloyds.

[Nath123]

Received final response letter stating that I do not have the right to claim my PPI back.

 

Also received my SAR back from them, what should be the next step?

 

Thanks so much for the help so far, I really appreciate it.

[dx100uk]

everyone has a right to reclaimmis-sold PPI

 

i take it they say their processes were correct

 

std temple reply

 

dx

[Nath123]

What do I do next, I have the SAR in front of me and need pointing in the right direction.

 

Cheers

Nathan

[dx100uk]

go thru the rejection letter point by point

 

look for customer/coms log entries to confirn what they are saying IS correct

 

i bet its not.

 

might be an idea to post up the fob-off letter.

 

though if you look at other lloyds PPI claim here in this forum

 

i bet its the same.

 

dx

[dx100uk]

sri should have posted instructions

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[Nath123]

For some reason it wont let me edit the page. Ill just upload it here...

 

 

I've got the application form and I've got the credit checks.

 

One thing I have noticed in the credit checks are the reason codes on the checks are not listed in the information booklet listing all the reason codes. There are 3 applications in total

 

1, £1000 Loan, Decision Refer, 045 & 080. Employment Retired 99years 99months Income £0

2, £1500 Loan, Decision Refer, 045. Employment Employed Unknown Income £0

3, £2000 CC, Decision Accept, 601. Employement Unkown 99years 99Months Income £10400

 

All seems a bit odd.

[dx100uk]

follow the guide post 20 here

 

dx

[Nath123]

[ATTACH=CONFIG]40793[/ATTACH]

 

[ATTACH=CONFIG]40792[/ATTACH]

[dx100uk]

is that X pre typed?

 

dx

[Nath123]

I definitely didn't enter it you can see the state of my hand writing. I'll have to double check to see if it is pre entered or the member of staff entered it.

 

It says the ppi terms are on the application but I don't see them.

[dx100uk]

there is your reason

 

pre ticked BOX.

 

end off

 

they cant fight that.

 

dx