Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2607 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

Hi

 

 

I wonder if someone could help me.

 

 

I put in a claim for PPI with regards to a credit card I've had for 20 years with LLoydstsb and now Lloyds bank. I filled the form in and sent it off. Someone from, I assume Lloyds, rang me whilst I was at work and bombarded me with questions with regard to my claim.

 

 

I've received a letter yesterday to say that my claim has been rejected for many many reasons including eligibility, suitability, optionality and policy features etc.

 

 

They've included a leaflet for the financial ombudsmen service should I want to appeal the decision.

 

 

I just need some advice really because I want to submit another claim against a car finance policy that I had and I want to make sure that I'm completing the claim form correctly and that won't get rejected also.

Link to post
Share on other sites

What reasons did you give for the mis-sale?

 

Not a good idea to speak to them on the phone as their questions are almost certain to be loaded in order to be able to justify wriggling out of the claim.

 

All is not lost however and you can refer to fos but can you give us your reasons for the mis-sale and some details as to telephone call you had with them.

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

When I received the phone call, thinking back it must have been from Lloyds. They asked me my name, address etc. They then asked me when I took out the credit card, where I lived, what my employment status was, where I worked. When I gave them all this information they said that they had a copy of the original agreement in front of them and told me where I lived, what my employment status was, where I worked as detailed on the form when I took the credit card. They asked why I thought I had been mis sold PPI so I told them that it was never explained to me and had it been at the time then I would not have agreed to it. I didn't even know what PPI was until it became news. This letter that I received yesterday states that there is no reason why I shouldn't be eligible for PPI given the circumstances at the time of undertaking. I'm not questioning whether I was eligible or not. It also states that I would be suitable for PPI. I'm not questioning whether I was suitable or not. The bottom line is that in my opinion all of that is irrelevant because in my opinion I don't believe I was given the choice.

 

 

Should I write to the FOS with this letter and dispute every point that has been raised by Lloyds with an explanation as to why I don't agree?

Link to post
Share on other sites

You could try a challenge to Lloyds first if you wish.

 

If you were not given a choice then that is mis-selling. It is not up to them to make the decision as to whether you would have taken it etc. etc.

 

Alternatively you can go straight to fos and set out your detailed argument to them.

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
Hi

 

 

I wonder if someone could help me.

 

 

I put in a claim for PPI with regards to a credit card I've had for 20 years with LLoydstsb and now Lloyds bank. I filled the form in and sent it off. Someone from, I assume Lloyds, rang me whilst I was at work and bombarded me with questions with regard to my claim.

 

 

I've received a letter yesterday to say that my claim has been rejected for many many reasons including eligibility, suitability, optionality and policy features etc.

 

 

They've included a leaflet for the financial ombudsmen service should I want to appeal the decision.

 

 

I just need some advice really because I want to submit another claim against a car finance policy that I had and I want to make sure that I'm completing the claim form correctly and that won't get rejected also.

 

There is no "magic way" to complete the form that guarantees a complaint is going to be successful. You just need to do it truthfully to the best of your ability. If you have valid cause your complaint should be upheld. If you don't, it (probably) won't.

Link to post
Share on other sites
When I received the phone call, thinking back it must have been from Lloyds. They asked me my name, address etc. They then asked me when I took out the credit card, where I lived, what my employment status was, where I worked. When I gave them all this information they said that they had a copy of the original agreement in front of them and told me where I lived, what my employment status was, where I worked as detailed on the form when I took the credit card. They asked why I thought I had been mis sold PPI so I told them that it was never explained to me and had it been at the time then I would not have agreed to it. I didn't even know what PPI was until it became news. This letter that I received yesterday states that there is no reason why I shouldn't be eligible for PPI given the circumstances at the time of undertaking. I'm not questioning whether I was eligible or not. It also states that I would be suitable for PPI. I'm not questioning whether I was suitable or not. The bottom line is that in my opinion all of that is irrelevant because in my opinion I don't believe I was given the choice.

 

 

Should I write to the FOS with this letter and dispute every point that has been raised by Lloyds with an explanation as to why I don't agree?

 

Forgive me if I have misunderstood you but if PPI was never explained to you then why did you agree to have it at the time?

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...