lloyds credit card ppi claim turned down by fos

[dazzabambra]

hi. ineed some advice on a ppi claim

 

i had 2 loans with lloyds bank

 

1. for £11959 taken out in 2006 defaulted 2009 still oustanding

 

2 for £7459 taken out in 2005 settled 2006

 

as far as i know they both had ppi

lloyds havent hastled me about the 1 st loan alhough i is still outstanding

 

what i want to know is it worth trying to claim the ppi on both or leave well enough alone and if i claim and am ssucsessfull will lloyds take any payment to settle the first loan.

 

on the fisrt loan lloyds refused to pay the ppi insurance when i claimed as id left it longer than 120 days to claim on disabiity i haven't paid the olan since

[ims21]

Hi

 

If the PPI was mis-sold then you can put in a claim.

 

Any award can be used to set off notified arrears

 

ims

[dx100uk]

did loan 1 refinance loan 2.

if so your PPI reclaim will be alot more

 

dx

[dazzabambra]

hi ive just had a final decision letter from fos rejecting my claim from ll oyds for ppi i paid on a card i got in 2001.

the adjudicator rejected it so it went to tthe ombudsman- same result

it took them from oct 2012 to sept 2014 to come to this decision!!!

question is were do i go (if anywere ) from here i thought ihad a good case,obviously not.

[citizenB]

Have they given a reason for the rejection ?

[dazzabambra]

cant get letter to scan i can e mail it to you

[dx100uk]

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[citizenB]

I have sent you an email address by private message, if you are still having problems with the scan.

[citizenB]

Here you go...

 

[ATTACH=CONFIG]53492[/ATTACH]

[citizenB]

Having read the Ombudsman decision, it looks as though you were inconsistent with your complaint.

 

You can of course reject the decision and ask them to look at it again, but you would need to provide new evidence/information.

 

Whilst you could sue the bank - they will almost certainly refer to the Ombudsman decision, which will be extremely persuasive to the Judge

[dx100uk]

it would be interesting to see the FOS CQ

 

as I would suspect?

 

you used the scattergun approach here of 'numerous' resaons why they PPI was mis-sold?

 

 

rather than focussing on your strongest single issue.

 

 

sorry but we cant really help if we were not involved for 2 1/2yrs!

 

 

 

 

last we asked was about if it was a refinanced loan.

[dazzabambra]

i know i made a right pigs ear of this one .

 

 

ah well lesson learned

 

 

ive claimed back over £16,000 in bank charges ppl and the like over the last 9 years

suppose it had to go wrong on one of them

 

 

in retrospect they would probably taken it all to pay for loans ive defaulted on anyway:oops:

 

 

ill stick to my motto written on the top of my monitor "dont let the b"£^*&rds grind u down"

 

ill go forward with a smile

 

still would have been nice .......

 

 

.........i might just fire off a lba you never know!!!!!!!!!!!!!