ombudsman uphold lloyds ppi claim what now

[codie825]

hi

 

please can anyone advise me on what will happen now?

ombudsman has written to lloyds and told them they must reply by 14th feb.

will this mean i will get my refund after all?

ombudsman has said they should refund plus 8%.

[codie825]

Sorry if the above is not very clear I'm new to this.

 

I was turned down for my claim via Lloyds so i took my claim to Ombudsman, 9 Mth later i rec a letter saying theu have upheld my claim and they sent me a copy of the letter they have sent to LLoyds, which they have till 14th Feb to reply too.

willthey reply to me? or Ombudsman?

the credit card was took out in 2004 with a balance of £4000

has anyone got any idea on an amount of refund i will rec?

thanks for any help.

[ims21]

Thread moved to the PPI forum.

 

If the ombudsman has upheld your complaint then yes it sound very much like Lloyds have been instructed to make an offer and have been given until 14 February to write to you.

 

You will only be able to work out what redress you are likely to get if you have all of the cards statements...do you have them all?

[codie825]

Thank you for your reply!

No I dont have anything, we had a fire a cpl years ago and ilost all paperwork.

do you have any idea how long it takes them to refund? or is that another long wait?

 

thanks again.

[ims21]

My understanding is that following an acceptance of an offer then 28 days should be a reasonable time.

 

The bank may give you an indication of their timescales for payment in their letter of offer.

[dx100uk]

but how do you know its correct?

 

get an SAR off pronto.

 

dx

[codie825]

thanks for your reply.

can i ask what is a sar?

[dx100uk]

hold on it and click

 

dx

[MSAR]

SAR = Data Protection Act - Subject Access Request - it was a law designed to allow individuals check to see that the personal information any company held on you was correct. In this case with banks, you can use it to request copies of all your bank statements, providing they still have copies available.

You send them a legal letter requesting the information along with £10 as a cheque or postal order, delivered by recorded delivery . They send back the statements.

[codie825]

thanks for that, also can anyone help me with a citi financial claim that is now with cabot? who do i take the ppi claim up with? and whats the chances with them? thanks

[dx100uk]

always the OC.

 

dx

[codie825]

just an updat its now 4 days past lloys deadline to write to me with an offer and still i have heard nothing. i have rang the ombudsman and they have said give them another 21 days.

[ims21]

It is a bit of a waiting game with Lloyds.

 

Did you spot that they were fined £4.3m yesterday by the FSA for delaying payments?

[codie825]

Thanks, No I did not see that i will have a look.

they really need to sort themselves out.

a guy i know who is a manager at lloyds call centre said, over half of the ppi claims are not looked at and just given a decision of no!!!

i will wait till monday as i think 19 months is long enough.

can i ring lloyds direct?

[codie825]

good news or bad???

I was suppose to get a final response from lloys on 14/02,

 

however they have posted this to me on 21/05 (still not rec letter)

- they have told me over the phone that as the card dates back to 2004 they have no records so have based desision on an estimate.

the offer is £273.24- dose this sound right or should i refuse?

 

i dont have any evidence to support this and when i wrote to them for sar they told me they cant find any info.

not sure what to do now?

[codie825]

also can i press them for compensation as this has now took 23 months?

[dx100uk]

you'll get the int dated to your settlement date anyway.

 

now, you need to get them send you a complete breakdown of their calcs first.

 

dx

[codie825]

thanks

they told me the above amount includes the 8% interest as this is a good will offer as they cant work out what im really owed- is this right?

or should they pay the int on top of the £273 ( how much difference would this make)

they have said all info they have has been provided in the letter im still waiting for.

[dx100uk]

ok lets wait then.

 

scan it up when you get it.

 

set your default scan page size to A4 less than 300DPI [150 will do]

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 monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

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

..

 

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.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

[codie825]

will do - if its not here monday they are in for another good telling off.

cant see how first class post can take 10 days.

[codie825]

rec offer letter 3 month late..

 

.here's what they had to say

 

as a final response,

we would like to offer you £274.00 to bring this complaint to a close.

 

due to the passage of time we no longer hold any detail of your account.

 

in a genuine attempt to resolve your case our offer is £238.00

 

this is equal to our avarage compensatory payment taking into account the period in which you held the credit card and were paying ppi cover.

 

we believe an average payment methord in this case is fair.

 

to make you understand

 

if we held detail of the account we would also pay 8% interest but in this case we hold no information.

 

avarage redress £238

 

other losses £36.00

 

what now????

[codie825]

rec response letter finally 3 month late...

here is what they have to say!!

our offer

due to the passage of time we no longer hold any information regarding your credit card.

the absenss of records mean there is no gaurentee our calculations are correct.

in a genuine attempt toresolve your case our offer is £238- equal to our avarage compensatory payment taken into account the period in which you held the credit card account.

to help you understand further if we held any details we would also pay 8% interest.

we will also offer £36 indirect losses.

 

 

i held this card from nov 2004 i had a £4000 balance by jan 2005 and oaid it off in 2007 £3870 in full.

i have no statements, but this was passed to a collections agency to whom i cleared the amont in full..

 

what next??

[dx100uk]

can you scan the letter up please

 

dx

[codie825]

sorry i don't have anyway of doing that until next week as i'm away from home.

lloyds have told me that i will rec a cheque within 28 day days,so im keen to understand what i need to tell them.