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Claiming mis-selling of PPI on Lloyds TSB credit card


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Hi,

 

I'm looking for some help and guidance on claiming back PPI payments I have made of a Lloyds TSB credit card.

 

A little bit of background.

 

I took the card out around 2004 on-line and never knowingly ticked a box saying I wanted PPI on the card.

 

I have always refused to take that type of insurance on any other loan or credit card I have had.

 

To be honest it used to wrangle me when I saw the cost each month on the statement,

however I just thought maybe I had to have it to have the card.

 

In the last few years I have got into a debt problem and now only pay an amount i can afford each month

and have never missed a payment.

 

To be honest this card is amongst a number of cards and loan debts I am managing

and I'm unsure if I have a default notice on this card, If it makes a difference I will check

 

I have looked on the site and I'm trying to find a thread or some instructions on how to start a claim

and the process I should follow.

 

I was told by a friend to try claim back myself without using one of those PPI claim back companies

and I could find lots on help from this site.

 

Thank you in advance for any help given

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you need all the statements first send LLoyds an SAR

 

links on PPI are below no.2.

 

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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high court order?

 

sar via the FOS?

 

.................

 

there is little point in putting in claim when you do not have the data.

 

it will be treated as speculative, & thus get the usual fob-off from deolite

or whomever is handling the Lloyds PPI claims, that's what they are employed to do, fob people off.

 

get the info via an SAR.

get a spreadsheet done, so you & them KNOW what you talking about.

then fill in the FOS CQ along with a covering letter .

 

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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The OP does not need to make any special effort to get PPI other than to submit a form to the bank/credit card provider.

You brought up SAR.

 

I suggested they might only need to get SAR if for example, the Financial Ombudsman becomes involved

and the bank claim nothing is owed or have no records,

 

but even then, with the FOS powers, I can't see SAR would be necessary, except perhaps for your right to see electronic data held;

 

perhaps for information purposes as to how much might be owed.

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perhaps for information purposes as to how much might be owed.

 

That's the main point. To ensure that the bank pay out the correct amount.

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

 

1. Single Premium PPI Q&A Read Here

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6. Staying Calm About Debt

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always best to sar .

 

I wouldn't trust Lloyds of all people as far as I could kick them.

 

an informed idea of the level of ppi [esp on a compounded int claim for a creditcard]

 

is a must.

 

never trust the original creditor to be telling you everything.

 

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 should say, I have received several PPI repayments simply by quoting the relevant account/reference numbers. Only Lloyds refused and they eventually paid (but I was short changed, so it has gone back to the FOS).

 

They refused to deal with two of my credit cards for over a year and it has gone back to the FOS for a second time as they thought I would be happy with what they gave me. They short-changed me on the statutory interest, too.

 

I have all the statements for the two credit cards they refuse to look at, but why should I sort through them, going back years, when they have been ordered by the High Court to comply with repaying the mis-sold PPI. The onus is on them, not me.

 

They even had the arrogance (or stupidity) to send me back an old copy of my own application form, which showed the box for PPI deductions was NOT ticked, and yet they still refused! So I have asked them to be investigated for fraud, as reported by the TIMES in May this year. In the TIMES article, it revealed Lloyds' policy is to turn you down, with the rationale that only one person in ten will then take it up with the FOS.

 

I can see that SAR might have worked at the outset, but they have claimed they have no record of the two cards, which would have been their reply even if I had sent them £10. Instead, I got their response for nothing.

 

I know the credit cards existed because MBNA informed me that the cards had been sold onto them by Bank of Scotland, and they paid me their share of the PPI repayment due to me. I even sent Bak of Scotland the MBNA letter telling me. BOS replied, take it up with MBNA! Such deceivers!

 

Lloyds (for Bank of Scotland) coughed up for the other card, but I think it is short, so actually an SAR demand might be a good idea (having already gone through the FOS and telling Lloyds I did not accept their offer as a final one).

 

Failing that, I might have to go through the old credit cards statements after all, as proof.

 

Moral: Never throw away your financial statements.

Edited by Pusillanimous
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To be honest, in this case I see no point in sending a SAR at first instance. In cases where you know that you had PPI, what is the point in getting information at this stage?

 

Information regarding PPI payments will only be useful in making sure that the level of redress is correct. As I said, there is no point in this exercise (which will cost the OP) before there has been an offer from Lloyds.

 

In my experience, the consumer having all statements etc makes no difference to the way businesses treat complaints. They all go through the same process.

 

My advice: complain to Lloyds, await the final response and then go from there.

Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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Thank you for your help so far. I am going to contact Lloyds initially and complain that I believe I was mis-sold the PPI on the credit card and see what they have to say. I have also called the Financial Ombudsman as I looked at their website and it seemed they would look into any complaint, but at this stage I'm prepared to give Lloyds the opportunity to resolve it first (maybe wishful thinking!?) I have a few questions and again any advise would be well received. Is there a template letter I could use to contact Lloyds in the first place for someone who applied on-line for a credit card and will I need to quote an amount I am reclaiming? If so I guess I should request a SAR to calculate the amount or would Lloyds do that?

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Trying to save £10 at this stage could end up costing you ££££s, it's vital to obtain all the information you can via a SAR before making your claim. Be patient, better to wait 40 days if that's what it takes and succeed first time, rather than wait 2 years via the fos. As Eddie says you will be amazed by the info you will receive. Why would you trust the bank that mis-sold you the PPI in the first place to correctly calculate your redress?

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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