lloyds ppi

[dickster 60]

no i had only one card

[maynie]

Then I'm a bit confused! You have the statements going back to 2000, so those tell you how much PPI you paid. What additional questions do you need the bank to answer now? (Apart from where your refund is ) Or is it not a complete set of statements?

[dickster 60]

i today had a long heated debate with a manager where your ppi fate is handled

 

.when you get the letter from the bank that they have carried out a full investigation to your claim that is a out and out lie.

 

this is what really goes on .

 

these people have a system that only allows them to look at data going back 6 years,

 

so when you get that letter stating that they have no recordx beyond that this statement is a smoke screen,

when pushed,

i explained that when you either speak on the phone or write letters you are representing and speaking or writing on behalf of the bank

and to say that you have no records beyond 6 years is a very misleading statement,

 

his reply was it was not it was true in the sense that they are not allowed by the bank to look at anythig over 6 years

and the software they have prevents them from doing so,

 

this means that if a claiment has not got any paperwork to support his claim that is over 6 years old

they have no way of finding out on there behalf as they are prevented from doing so by the bank

 

so all in future will have to do a sar on them like i did and got 13 years of credit card statements off them ,

 

when you claimed you had no records working and representing the same company,

a sar request is a legal right to all the data they hold on you not everyone goes to that trouble

 

,we are told only to comply to the data protection 6 year rule

and to that end he claims that they are telling you the truth that they have no record beyond that,

yes because the bank as you well know and admit they prevent you from doing so

 

.this is nothing short of a disgrace but what do you expect from lloyds tsb

[dickster 60]

some statements show it others dont and yes there are some missing but not bthat many also a ccr agreement which shows a tick in the box for no ppi and they are still dragging their heels and the card people will not consider them until i send them all to them to consider

[dickster 60]

taking far too long for obnibusman to sort tsb out ,can i take tsb to court whilst they i am waiting

[BRIGADIER2JCS]

For What!!!?

[citizenB]

The Ombudsman will take a fair time, however if you have a complaint in with them you should not litigate otherwise the FOs will close their file.

[dx100uk]

two threads merged

 

please keep to one thread per claim

 

dx

[dickster 60]

but on the plus side it would be sorted a lot quicker and cost tsb a lot more,what is the time scale if u go through the courts and what would i need to do