lloyds ppi

[renegadeimp]

Police wont do anything. Neither will PPI companies as its too much work for very little reward for them.

 

WHat you need to do is get all your info together with evidence that it has been edited. Then you need to go through it thoroughly and start issuing full complaints. It's not going to be a quick process, but its better than handing over 30-40% of your reclaim to a silly company who sends two letters out. Yes, thats right. PPI companies usually just send out two letters and demand 30-40% of the reclaim for the privilege of doing so.

[dickster 60]

have already made some complaints passed from piller to post nobody wants to take responsability as afar as they are concerned there system is perfect,even though they have me down as opening my bank account in 1957.......when i was 11 years old,there reply your parents must have opened a account in your name,------my parents have been dead since i was 6 years old my grandmother who took washing in to make ends meet brought me up---it must have been her then ,they just will not listen,as far as the gross misconduct is concerned in 2008 i converted my credit card debt into a bank loan in a loydds tsb branch i surrenderd my credit card with the intructions to close and destroy it and that is the last i heard of it until i received details from sar which shows that the card not only had not been destroyed but had the 15000 pounds limit reduced to 1000 pounds and kept open and monthly statements produced which never came to me so who did these statements go to and there data says the card was not closed until 2011 work that one out

[renegadeimp]

I think you need to get your evidence in order and make it clear and concise. The info you gave here rambles a little and is pretty haphazard with conjecture thrown in.

 

Once this is done, you need to get a full complaint in to the OFT and FCA, and to the lender. The lender then has 8 weeks to give you a response upon which the FOS can get involved. If you have a clear evidence trail and can conclusively prove what you say and not say " well, they must have done it cos i didnt", then the regulators can investigate. The key though is to keep everything simple, clear and right to the point. No regulator wants to read hearsay and opinion. They wait for a face to face meeting or phonecall interview for that.

[dickster 60]

thank you for that very helpful reply will take what you say onboard,would it help to confront the branch manager and ask for a explanation

[renegadeimp]

You could do. But you need to keep EVERYTHING in writing.

[maynie]

There are people here who are really good with the calculations. Maybe if you posted all the details on how it affects your PPI claim, they could help?

[maynie]

The odd thing that happened with the headers is a function of some internet browsers. They identify fields that look similar and offer to prefill them with phrases you have used before in similar fields.

[dickster 60]

thank you for that explanation it does make sense

[dickster 60]

as far as i understand the data protection act banks are only required to hold data for six or seven years

the reason being if a mistake was made or you wished to complain it was expected you would know about this within six years

so there would be no need to hold on to data after this,

 

but this was before the ppi scandal and the fact is thousands did not know they were being robbed and banks are using this guideline to pay out less .

 

question we all know banks keep records for much longer than this as in my case for 13 years,

but the bank are saying that due to data protection legislation even though they have the data they are not allowed to look at it in ppi cases over six years old work that one out

[citizenB]

What a lot of bull. If they have the data, they are obliged to provide it to you. Have they put this statement in writing !

 

You should also request what legislation they are using to support this bizarre statement.

[ims21]

due to data protection legislation even though they have the data they are not allowed to look at it in ppi cases over six years old

 

They are feeding you a load of baloney. This is completely untrue.

[BankFodder]

Have you got this in writing please?

Very important.

If you haven't, was it said on the phone and if so did you record the call?

[dickster 60]

it gets worse.

i have already challenged them on this they insist they can only look back six years.

 

this is the credid card people

but i pointed out that after a sar request 13years of accounts have been reeiled,

 

they say and it is part in writing quote data protection legislation requires us to delete customer information from our files

once any legitimate business or legal requirement to retain it has expired

we therefore only have a need to keep credit card transactions for a period of 6 years as we would reasonably

expect that any need to look at the figures including complaint investigations arise in that timescale,

as such your account is longer than six years so we dont have any records,

that is what is in writing via the phone they more or less said they will only look at what they are legally obliged to keep ie six years

,when i pointed out that another debt of tsb has these records they say they are not legallt obliged to look at them

[BankFodder]

Please will you reproduce the letter here.

 

Which bank?

[dickster 60]

will get my grand son to do it for me as a pensiner i have not go a bloody clue how to do it,he will be up in the next couple of days,why do you think it is so important

[citizenB]

Please have your grand son follow the instructions below, after removing any personal information.

 

 

Dx100 – Instructions on uploading pdfs

scan the requiredletters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

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

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

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Banks are supposed to keep data for 5/7 years after a financial relationship has ended - this according to tax and Money laundering laws. Although the ICO say that they only need keep data for as long as is necessary. We saw banks start providing only 6 years of data around the time of the bank charges reclaiming frenzy.. then they would only need to pay out 6 years worth of charges.. unless the claimant had retained their own statements ! Obviously with the PPI claims coming in thick and fast they are continuing to say that data is only available for 6 years in order to avoid repaying this money back !

 

If you have proof that they do have the information but are not providing it then that would be great.

[maynie]

Do they actually say in writing that they hold the data but won't look at it? Or is it that they hold 13 years of data on your bank account but not on your credit card and the two separate arms of the organisation are doing totally different things? If it's the former you need to call the Information Commissioner helpline, as it is totally wrong. In fact, if you can speak to the bank's own data controller, they will probably agree that it is is totally wrong. if it's the latter it is probably still worth talking to the ICO.

 

I'm amazed that the PPI issue hasn't triggered some full investigations by the ICO, as there are clearly massive issues with data control within the banks.

[dickster 60]

sorry i forgot to mention whiich bank it is lloyds tsb

[citizenB]

sorry i forgot to mention whiich bank it is lloyds tsb

 

Why does that not surprise me !!

[dickster 60]

yes i do have proof

 

on one hand the credit card debt say they have no records of any credit cards ,

and after admitting misselling they can only pay out on assumtions,

 

after requesting a sar from their dept they send me 13 years of credit card statements,of 4 credit cards

they have only got 1 cca agreement dating back to 2000 which i think has been doctored

 

,there is a whole lot of wrong information for example the cca relates to a asset gold card but records show that it was a platinum card i took out

and a hole host of mistakes

 

so much so it leads me to beleive somebody has made a right mess of trying to change things,

but yes on one hand part of the bank say they have no records the other part send you 13 years worth,

 

i am nobody special if they hold these records for me i am sure it applies to everyone else,

they are really hard work to deal with but i will not give in

Edited June 3, 2013 by dickster 60
spelling

[maynie]

So initially the bank said they only had data going back 6 years, but then they found a full set of statements going back 13 years? And now they are refusing to calculate your PPI refund based on those statements? I understand there are lots of other issues about errors in the records, but is that the key problem?

[dickster 60]

yes but to give you a glimpse into others

 

i also have a letter from the bank which i got in 2011 on my 65th birthday stating that the unemplyement cover now no longer applied to my ppi cover

witrh the relevant credit card number,

 

they say they have no record of this in their system,

 

also in 2008 i was talked into converting my credid card balance into a bank loan which hands up i agreed to

so i surrended my platinum card with the instructions to cancell it and be destroyed ,

 

i thought that was the case as i never ever got another credit card statement relating to that card.

 

until looking through all the paperwork from the sar request i find a lone statement dating oct 2009

the limit had been changed from 15k to 1 k and there was a zere balance

 

i also found in the paperwork that the card that i thought had been destroyed by the bank was not closed until 2011 what the hell is going on with these people

[maynie]

It sounds like a terrible series of errors on your records. Do any of them actually impact on your PPI claim? I'd try to sort the problem out into two piles - calculations for your PPI claim and errors on your data file to create a complaint with the bank/ICO about.

 

Are the bank actually refusing to take into account all your credit card statements in their calculation for PPI? Have you written to them saying you have these statements and they need to take them into account in their calculation?

[dickster 60]

i have sent these statements off to the card poeple still awaiting reply

 

as far as call the mistakes i have been pased from piller to post and no one is prepared to take responcability

it is always somebody elses dept not theirs,

 

they keep giving me phone numbers which turn out to be the ppi complain/help line

 

,they told me to ring card servies in scotland and ask about this platinum card

 

i had been using up until 2008 with i suspect ppi on it ,

 

and you could not make it up

 

but according to their records i cancelled this card on dec 7th 2000

which is another reason i suspect a nasty smell,

 

what does others think

[maynie]

Is there more than one credit card account? I thought you had the statements going back to 2000, so that should end the confusion. But did you have several card accounts running concurrently? Could they be talking about different card accounts?