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    • Rejection letter to be sent to the FOS   I am declining your decision of 13th April for the following reasons:   Much of your decision is predicated on your view that Aviva had a “process” in place and that they followed this process and as a result their decision to enter an insurance contract in 2015 despite their misgivings was fair.   1.      Nowhere in your decision have you explained what the process was and whether in fact the process was fair. Clearly your view is that with regards to that process, all that was needed was for Aviva apparently to follow this process and any outcome would be fair and regardless of the fairness of the process.   2.      On 2 June 2021 I received a telephone call from the Aviva complaint team. During the conversation, they informed me that in fact that in 2015 the call handler had been wrong and had not followed the correct process. The Aviva caller told me that it was not part of the process for the call handler in 2015 to refer her suspicions to her manager. Clearly, if the call handler in 2015 had adhered to the correct process and allowed herself to be guided by her own suspicions then Aviva would not have agreed to provide the insurance cover and they would not have become the victim of fraud. In fact what we find is that the correct process and the very serious suspicions of the call handler were overridden by a manager. Evidntly either Aviva has misled you as to the nature of the process or else they have not disclosed their process to you. It may even be that Aviva does not have a written “process”. They only have “a way of doing things”. If it is correct that you have not seen the Aviva process but have simply taken their word for it, then it is clear that your investigation is flawed and your decision has fallen short by any reasonable standards. 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Hi,

 

During the late 90s and early 00s I had several loans (5 in fact) with Lloyds TSB,

 

all taken out during a meeting at the branch with an account manager.

 

These were all consolidation loans to pay off cards and the previous loan.

 

I started a complaint for all these loans last October/November after sending Lloyds a dsar request

which returned some account numbers and a statement for the most recent loan(2004).

 

As these were pre 2005 then I assumed that these were all sold with single premium PPi.

 

On the FOS questionaire the main reason I gave for the mis-sale was that they were single premium policies

and that the total cost of the PPI wasn't explained to me and the rebates were unfair.

 

This last week I've had several calls from Lloyds asking for more info

- sick pay and death in service benefits from employer etc which I said were very good 3-6months full pay etc

 

Going by this info, what are my chances of a win?

 

Anybody with similar complaint to this?

 

Also if I am rejected then should I take it to the FOS? Thanks

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as lloyds normally do

 

they will send you a std reply

 

they explained everything at the time of sale

 

nothing to reclaim.

 

their problem here is they WERE NOT IN THE ROOM!!

 

your account manager make lots of money in commission out of you i bet!!

 

dont forget also that on anything that was consolodated, would have had PPI on PPI & PPI INt on PPI INT.

 

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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This is interesting. I made a telephone call to Lloyds TSB on 21 Decemebr and got a call today (at work ) asking about my death in service and sickness benefits etc. All were very good as a local authority employee.

 

I had 3 loans one in 97 one in 00 and one in 02, One or 2 for a car and one consolodation loan.

 

I wondered if this is the start of a fob off by LTB...

 

A colleague at work advised me to write depiste having made contact by telephone, anyone think this is a good idea?

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we are going to have to compile stuff soon

 

everyone is getting or going to ge the STD fob off letter

 

this is why they do it.

 

just for a note

 

ALL my claims have been successful SOLELY because i was MOD for 30yrs [std Gov't superannuation 6mts full 6mts half etc etc]

 

not one has refused to cough

it appears this is a Lloyds thing.

 

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 just had a phone call from them last night asking them exactly the same thing!

I sent my original claim to them last August and they replied with their std letter, so sent them a reply saying that I did not agree with their response and that they were not present at the time.

Will wait and see what decision they make this time and let you know.

J x

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Just to let you's know that I called Lloyds tonight to ask if there had been a final decision made regarding my complaints.

Guess what - after investigating further (phone call last night) they have changed their minds regarding their initial decision and have decided to uphold my complaints. YIPPEE!!!

 

So there is still hope x

J

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really!!

 

now that IS goodnews

 

so after firing off their usual fob off letter...our processes are infalible

 

they have coughed??

 

what did you send please

 

there are dozens on here the same boat

 

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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Share on other sites

I sent my original complaint to them way back in August last year,

received a phone call from them asking why I thought I had been mis sold the PPI

and received their std letter a few days later. I

 

replied to them with the letter below.

 

I did state on the letter that they had 14 days to reply but that didn't happen.

 

I have phoned them twice a week for the last 3 months, then got a call from them last night asking what my employment benefits at the time of the loan were like,

 

ie how long would I have been paid in the event of sickness, redundancy package and if I was entitled to death in service.

 

I did mention to them that I had / have life insurance.

 

I decided to phone them on the off chance tonight and was surprised when they said that a letter had been sent out saying

that they had upheld my complaint following further investigations.

 

They have not done any calculations as yet and not sure how long I will have to wait - but at least I have a YES!

Hope this helps all others who are still trying x

J

 

Dear Sir / Madam,

 

Re: Loan Reference: XXX

 

I am writing to you today in relation to your decision regarding my complaint about my Payment Protection Insurance Policies in relation to the above accounts.

 

After reviewing my case you decided that the PPI was not miss sold.

 

You explained your reasoning behind your decision and requested if I was unhappy with this to contact you further within 28 days from the XXX,

with any further evidence to support my claim.

 

I stated in a telephone call on XXX and also in a follow up call on XXX:

 

1. I was not made aware that I had Payment Protection Insurance.

 

Let me clarify:

I know this because I would not have signed up to something which was going to add to the cost of a loan which would have caused me more financial difficulty

and because my job at the time gave me employee benefits to cover the payments had I been unable to work or made redundant.

 

2. I was not made aware that the Payment Protection Insurance was optional.

 

Let me clarify:

I had no idea PPI was included in the amount I was paying, the process as I thought was signing the loan documents and this was the amount I had to pay for the LOAN.

If I was informed that it was optional I would have opted out.

 

3. I was not made aware that I could have purchased Payment Protection Insurance from some- one other than yourselves, if I had required it.

 

Let me clarify:

As I was not made aware that I was signing for PPI or that it was optional,

I was also not advised that I could have purchased the PPI from another independent company other than yourselves.

Therefore I was not given the right to make an informed choice as to what policy, if any, would have been more appropriate to my needs.

 

4. I was in full time employment and had employee benefits in place, therefore I did not need the Payment Protection Insurance.

 

Let me clarify:

I was in full time employment at the time the loans were taken out with yourselves and I received employee benefits

which would have covered my loan payments had I been unable to attend work or been made redundant,

therefore I did not require PPI and would not have agreed to pay PPI as it would have incurred a further financial burden.

 

In your conclusion: “You feel your advisor acted fairly and reasonably throughout the sale” and regarding “your knowledge of your sales process and documentation at the time”.

 

I would suggest unless you have an actual transcript or recording of the matter IT IS unfair for you to introduce 'pure speculation'

and 'conjecture' upon on what might or might not have happened in a conversation you were not a party to.

 

If your advisor acted fairly, as you say, then there would not have been PPI on the loan

because had they been fair they would have explained there was PPI on the loan and that it was optional,

but because they did not do this I have ended up paying for PPI I did not want or need

and would not have signed up for if this had been explained at the time of the loans.

 

Under your Consent to Cover you say

“I am persuaded that this required a verbal explanation ensuring I was made aware of what I was purchasing”

 

As evidenced by my comments; Points 1,2,3 and 4 under no circumstances was I ever told PPI was on any of these loans

because I would not have agreed to paying PPI if this was the case.

Subsequently I was mis sold PPI.

 

Using mere reference to your guidelines at the time to justify your refusal that 'it did not happen’ because' those were in place’, is wrong and unfair.

 

For the above reasons and those mentioned in my previous correspondence I am requesting a full refund of all my insurance payments.

I reserve the right to take further action and will allow a time period of 14 working days for your reply.

 

Yours faithfully

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thats a great great letter

i can spot a familuar few things too!!

 

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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urm.. i noticed.

 

great idea.

 

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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Excdellent news and gives me a flicker more hope!

 

Lloyds TSb have until 14th Feb, basing that on the reply I got from my original call to them, to respond. I did send a ltetr last week as a back up which was a variation on a letter a work colegue used (and she got a payout, albeit on 3 loans taken out later than any of mine but none the less...)

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  • 3 weeks later...

And, my wife informs me that L-TSB have replied today to uphold my complaint on two of my old loans. She was a bit vague on the wording of the letter (and I was on my mobile in a Tesco!) so I wil have to check it on my return home. The jist is that I am due approx £4k which is excellent and I assume about right for the amounts I borrowed and the length of time since the loans closed. How is the 8% interest calculated, is it added to the total or is 8% added to the total for each year that I had the loan or 8% for each year until now!?

 

i am happy with £4k, very much so but I am keen to know how they arive that figures.

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You should get 8% on each of the repayments of PPI made running from the date of the payment right up to the date of settlement.

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4. The CAG Interest Tutorial

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6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Ok, thanks for that.

 

The one offer is the standard amount (there words) of £1200 and the other is for approx £3k. The reaso for the standard amout is that the say the loan is sol old they neither know the full amount taken, the period it ran for etc....overall its a tempting amount but I have a nagging feeling that i ough to dig deeper but then again, the one loan was back in 2002.

 

Did anyone else get their reply yet?

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well thats a first

 

never heard of that before

normally when there is no evidence

they dont pay out

 

urm.......

 

somethings not right then...

 

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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Ooops, haven't been following this thread, my bad!

 

And, my wife informs me that L-TSB have replied today to uphold my complaint on two of my old loans. She was a bit vague on the wording of the letter (and I was on my mobile in a Tesco!) so I wil have to check it on my return home. The jist is that I am due approx £4k which is excellent and I assume about right for the amounts I borrowed and the length of time since the loans closed. How is the 8% interest calculated, is it added to the total or is 8% added to the total for each year that I had the loan or 8% for each year until now!?

 

i am happy with £4k, very much so but I am keen to know how they arive that figures.

 

That's good news! I have heard of people on MSE being paid out the £1200 if they or Lloyds don't have any details of premiums paid.

 

I'm still waiting to hear from Lloyds about my complaint but it is similar to yours so fingers crossed!

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Ooops, haven't been following this thread, my bad!

 

 

 

That's good news! I have heard of people on MSE being paid out the £1200 if they or Lloyds don't have any details of premiums paid.

 

I'm still waiting to hear from Lloyds about my complaint but it is similar to yours so fingers crossed!

 

I took it. I thought about it but the loan closed in 2002 and I have no paperwork. All I can prove is that I had the loan and it is now closed so I could have had £0.00...

 

good luck with your claim, f it is like mine I hope you get the same result as me :-D

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  • 2 weeks later...

Hi Forest Dave

Did you send away for an SAR. I sent away as knew I didn't have all the details of the 3 loans I had with them. Two were off 1996 and the other from 2000.

Unfortunately I'm still waiting for Lloyds to do their calculations even thou I was informed on 23rd January that they had upheld my claim.

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Hi Forest Dave

Did you send away for an SAR. I sent away as knew I didn't have all the details of the 3 loans I had with them. Two were off 1996 and the other from 2000.

Unfortunately I'm still waiting for Lloyds to do their calculations even thou I was informed on 23rd January that they had upheld my claim.

 

Hi. No, I never sent a SAR. I was passing a Lloyds branch and had nothing to do one lunch tome (makes a change!) and decided to go in and ask. I got a bit lucky because I knew the girl who served me and she printed me off a list of the 3 loans (nos and if they had PPI. One never made any reference to PPI so that was always a maybe anyway). I just rang the no. from the Lloyds website and away I went.

 

January is a long time ago. I'd give them a ring and push 'em along. Good luck!

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  • 4 weeks later...

Hi

Have been phoning Lloyds a couple of times a week since beginning of February to ask if they have finalised their calculations and they are still saying that they haven't and they say they can't give me any timescales. Not sure what I can do other than wait :-(

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and they were recently fined for delaying peoples payouts too.

 

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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