Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2801 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

5 years ago was called into branch and was talked into converting my credit card balance

which was at the time £9,800 into a bank loan,

 

at that time i was classed as self employed and 63 years old without saying a single word about ppi

they tried to sneak it in ,

i spotted it the next day and duly cancelled the ppi

 

out of the blue i get a letter telling me that i would not get all the benefits on offer with ppi on my 65th birthday relating to my credit card

which i had been talked into converting to a bank loan,

 

i had been paying ppi for over 10 years on the card without knowing i had it,

 

to cut a long story short i put a claim in for this missold ppi on my credit card

 

they have done nothing but lie and used delaying tactics since

 

at last they admit it was misold and they say they sent a letter out on the 18th march

 

still not got it despite at least 6 calls to the help line

 

am being ignored by all i speak to and send emails to

 

managed at last to get the man on the help line to dictate this letter over the phone

 

was told that they had put 173 pounds into my account as due to the passage of time they have no record of this credit card

and they consider this to be a fair offer

 

still not had this in writing but told him over the phone where he could stick his offer am still awaiting anything in writing where do i go from here

Link to post
Share on other sites
  • Replies 58
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

you need to sar them.

 

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... 

Link to post
Share on other sites
  • 2 weeks later...

five years ago the bank converted my credit card of £9,800 into a bank loan

 

,i later found out that the card had ppi on it for over nine years before converting it into a bank loan 5 years ago,

 

have put claim in it has been upheld but they say due to the passage of time they have no record of this card

and it is up to me to prove otherwise and have offered £173 after paying for over 9 years,

 

have sent off sar request no reply as yet.

 

it was them 5 years ago who arranged this bank loan and they are trying to say they know nothing about it

who is the onus of proof on any help please what to do

Link to post
Share on other sites

I would await the SAR and see what it shows.

 

Even of there are one or two statements that show PPI on it then it will put you in a stronger position to put pressure on them.

 

Lloyds are currently one of the worst to deal with I'm afraid so you may have a fight on your hands with this one but take it a step at a time and you may get a good result.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites
  • 3 weeks later...

five years ago the bank talked me into converting my £9,770 credit card debt into a loan,i find out on my 65th birthday via a letter from the bank that i no longer quilified for certain aspects of ppi insurance on the credit card---never knew i had ppi on it so i banged in a claim which they upheld and offered £173 to cover for over ten years on the basis that due the passage of time they have no records such as what the balance was or when it was cleared,the lying cheating so and soes it was they who arranged for the credit card via a loan to be cleared .after a number of letters going to and fro they still maintain that is a fair offer and go on to say that they are only allowed in law to keep records for seven years,correct me if i am wrog but surely that means they do have records for the last 2 years of my credit card,simple maths it is now 20013 minus 7 =2006 credit card converted to a loan 2008 which clearly shows they are bull****ting,am waiting for a sar request they have to the end of the month to comply where do i go from here,they are blatently no telling the truth but i am banging my head off a brick wall,£173 for over 10 years is a insult

Link to post
Share on other sites

If it were me I would await the SAR to see what turns up.

 

Banks try to hide behind this six (in your case seven) year business but we do know that they hold data beyond this time and sometimes, when threatened with court action to force the disclosure of personal data, they suddenly find more information.

 

When did you take the card out?

 

If they really don't have the data you may be able to press them to give you redress based on an average of premiums going back to the start of the card but it will involve pressing them and maybe get fos involved.

 

As I say, I would see what turns up with the SAR first.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

have now got sar back it has took them the forty days,a load of paperwork but they now say they are unable to provide any information about ppi as they are not the data controllers for this information.what next

Link to post
Share on other sites

You should get all you need from Lloyds TSB.

 

Did you get any credit card statements at all?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

yes i got a few of them along with the credit card agreement dating back to 2000,it clearly shows that i ticked the box for no ppi,it just shows what a bunch this bank is you tick the box for no ppi and then they put it in behind your back then they do not show it on your statements but i found a internal bank papers that show they were charging me each month for it,i think that is why even after i sent the sar request to the correct address that they are now saying after all this time it is a different dept for ppi,as far as i am concerned this ammounts to fraud,if vi walked into the bank on a monthly basis and took money out of the till i know what would happen yet they have been taking money out of mine WHAT IS THE DIFFERENCE.

Edited by ims21
Link to post
Share on other sites

Ok, if you have card statements the PPI would feature as a distinct item on there as a monthly payment.

 

If it does not show on the monthly statements then in reality it is unlikely that PPI has been applied to the card account.

 

It could well be that it was applied to the loan though and if this is the case it will be shown on the loan agreement.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

i did not take loan out until 2008 and yes they tried to sneak ppi in on that as well but i spotted it and stopped it straight away the ppi was on the card that i paid off with the loan,so i had been unaware that i had been payiny ppi from 2000 until 2008 i even got a letter on my 65th birthday to say that certain aspects of the ppi on the card were no longer covered. they admit it was misold but the offer of 173 pounds for those 8 years is a insult and no there is no mention on the few credit card statements they have sent about ppi but on there own internal data which i think they have sent by mistake it clearly shows the amount of ppi charged each moth relating to the credit card,what should i do next there is something very dodgy here.

Link to post
Share on other sites

Maybe the PPI doesn't show on the few statements you have because there was no balance to protect in those months.

 

What I would do is write to them and demand that they give you a detailed breakdown of their offer and also question them as to why they haven't taken into account the full period of the card.

 

If they claim that they do not have records going that far back then you should insist that they use an average to work back to the beginning of the account.

 

If they still fail to come up with a reasonable offer then ask fos to look into it.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

have had time now to read more carefully,and after ringing the sar people up,who were helpful and very nice people to talk to have discovered on old statements going back to 2000 10 of those old type a4 statements ppi payments on those,but it then gets confusing as the cards change from trustcard then asset gold and then platinum and no ppi payments appear yet years later i get a letter from the bank on my 65th birthday that the unemployment cover no longer existsts but hospitalition cover does. to add to the mystery on a section of the paperwork they sent it claims i opened a classic account back in 1957,i do not think so i was only eleven years old then,and then a cca agreement which differs from my account in as much that the cca refers to a asset gold card but it clearly shows on my account history that it was a platinum card they are unable to find any other cca agreements,it may be hard to beleive but i suspect that my account has been doctored in some way as i rember taking out this platinum card back in 2000 but it does not appear on my statements until late 2007 how can this be ,what the hell is going on

Link to post
Share on other sites

If you want to make a claim then you will have to have evidence of the payments at least. If your claim is based on the fact that you would never have qualified for a payout in the first place because you were self-employed or you had an existing medical condition - then the lack of agreement shouldn't be a problem. Your record of payments should be enough to show that PPI was in force

Link to post
Share on other sites

how old are these agreements missing?

 

how have you found out the bank don't have them?

 

by SAR return?

 

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... 

Link to post
Share on other sites

it is a brain teaser this one,the bank claim they have no idea when the card started or was paid off,but sar documents have shown 10 statements dating from 2000 which ppi was paid and then suddenly stpped,then years later i get a letter telling me now that i am 65 i am not covered for the unemployment section of the ppi,for a card number they claim they cannot find,to add to the mystery the only cca they could find clearly showsa a tick in the box for no ppi,so what card does the 10 statements relate to and the letter in 2011 about my 65th birthday and ppi they have admitted miselling it is the offer what is in dispute and how they arrive at it

Link to post
Share on other sites

i posted 3 new posts on this sight for some reason they did not appear anywhere ,then today was looking for ppi solicitors and filling my details in ,name tel number email address away from this sight and low and behold up popped the headers for the 3 posts i had attempted to put on consumer forums,anybody got any ideas as to what happened

Link to post
Share on other sites

Sorry, no idea - but why do you want to share your money with PPI solicitors when you can keep it all for yourself?

Link to post
Share on other sites

it is a bit complex in the sense that it has got to the stage that as a result of sar information it looks as though my data has been doctored and i need expert advice and on top of that there has without a doubt been gross miscoduct by one or more bank staff regarding my account

Link to post
Share on other sites

PPI companies wont give you "expert advice". They definitley wont do anything about Gross misconduct by bank staff or forged info in a sar. ALl they will say is "sorry, we cant process your claim".

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...