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jamieleeuk

Granny PPI Assistance - Lloyds TSB

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Hello,

 

Firstly thank you to those that are able and willing to advise.

 

I sent an SAR on behalf of my Grandma

just as a stab in the dark (on her request may I add :p)

to see if she could be entitled to any PPI on her borrowings over the years.

 

Despite my SAR requesting copies of all Data held in relation to all dealings and accounts relating to Granny in all formats,

all that they sent back were Loan Statements showing only the 'Payment Received - thank you' and 'interest charged' entries.

 

I'm looking at these now thinking how much use these documents are without the actual agreements,

which is what I expected would have been sent out,

along with her current account 'ins and outs'.

 

Interestingly, on the 2nd, 3rd and 4th Loan Statements (in chronological order of the loan provide date)

the final entry on these statements says "Rebate of Loan Protection Insurance - NIL"

Why would this show on the Loan Statement if PPI was not added to the loan because it doesn't appear on the 1st, 5th and 6th Loan Statements?

 

On each of the Loan Statements, there's a sentence in the small print saying

"Any fees payable under your loan agreement are added to your current account".

 

Does this mean they may have charged PPI but they will try and bury the charges in the current account and out of sight of the Loan Statements?

 

Looking for assistance in next steps please,

certainly in relation to the above but also if you could advise whether I need to go back to them with another cheque for ten pounds for them to send me the agreements?

 

Many thanks in advance,

Jamie

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theres no requirement to sent copies of agreements with an sar

 

though they often are included

 

who's the bank

 

and is the 40days up yet?

 

that PPI line in the statement is a std one I've seen before.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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opps it Lloyds sri

 

they usually do include agreements

 

that's strange.

 

I've had five so far and all had agreements included

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I asked and received full loan statements in my SAR to Lloyds, in fact so far that is all i have got.

 

on the statements it stated the PPI amount added to the loan at start

 

so was easy to work out monthly payment for PPI and gave all payment dates and amounts.

 

Statements come from Peterlee - I did not have agreement numbers just approx dates.

 

Suggest you go down tis route.

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How old are the jamielee? I think if they are pre 1010 account numbers, I believe 2002, they may not have them?

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