PPI Claims is it too late **No it's not, success**

[honey56]

I moved to France in 2004 and have recently been reading about PPI claims. All loans were paid off before I moved. I have found paperwork with account numbers on from Blackhorse and Masterloan, is it worth finding out if PPI was added or is it too late?

[citizenB]

Not at all. Send Subject Access request to the original creditor this will provide you with information that will help you establish if there was PPI included. If so, then you should then complete a spread sheet and the FOS complaint form - send to Original Creditor/Lender and ask for your money back.

 

SAR template below - you will need to include £10.00 (statutory fee) and they have 40 calendar days to comply.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

If you need any further help, just yell

[BankFodder]

Don't necessarily accept any denial at face value. If they say that there was no PPI, do further research

[honey56]

Thank you will send of for SAR

[honey56]

Just in the process of sending of for my SAR, I have read that the data only goes back 6 years, because all my loans etc were paid of in 2004 will I get the information I need by doing a SAR.

[renegadeimp]

Might do. Some banks keep records on .microfilm. But the staff won't tell you because they know they'd to pay out a small fortune

[honey56]

I have a joint Lloyds bank account with my partner which we still use and my partner had a Lloyds TSB credit card now finished, do I have to send a SAR for each one?

[maroondevo52]

I have a joint Lloyds bank account with my partner which we still use and my partner had a Lloyds TSB credit card now finished, do I have to send a SAR for each one?

 

Hi,

 

I'd think if you both signed the SAR request you should get all the info they have on both of you, I'd do that first and see what they come back with.

[honey56]

Hi, I have received the SAR request from Lloyds for my partner, they wanted another £10 for me as well which I was in the process of doing. They have sent me bank account statements from August 2001 and credit card statements from January 2000, they say prior to this statements no longer exist although they did send a copy of the credit card agreement dated 6th April 1998 which is in both of our names the PPI box is ticked even though it states my partner was self employed and I was a housewife, sentinel card service box is also ticked. Looking at the credit card statements there is card holder protection plan payments taken out every month ranging from £13 to £34 is this the same as PPI? They have also sent me a screen shot of the loans he has had, but they say they are unable to provide copies of the original loan application documents due to amount of time that has elapsed. 1 was started in 02 1992 and finished 06 1998 so have no idea if PPI was added, the other was started in May 1998 & finished in May 2003, don't know if PPI was on this either.

 

Could anybody tell me where I go from here please?

Edited February 24, 2015 by honey56

[honey56]

Lloyds upheld my claim on 2 of the 3 loans, one going back to 1998 received a cheque for £1900, have also received an email this morning to say they are upholding my credit card claim and are in the process of calculating the redress.

 

Thank you for your help.

[renegadeimp]

Make sure you calculate it as well to ensure you aren't being shortchanged

[maroondevo52]

Lloyds upheld my claim on 2 of the 3 loans, one going back to 1998 received a cheque for £1900, have also received an email this morning to say they are upholding my credit card claim and are in the process of calculating the redress.

 

Thank you for your help.

 

That's great news honey, what was the reason they gave for rejecting one of your loan claims.

[honey56]

That's great news honey, what was the reason they gave for rejecting one of your loan claims.

 

It was a loan my partner took out in 1992 before he went self employed, they said there was not enough evidence to show that he had ermployee benefits that meant he didn't have need for PPI policy

[maroondevo52]

It was a loan my partner took out in 1992 before he went self employed, they said there was not enough evidence to show that he had ermployee benefits that meant he didn't have need for PPI policy

 

Thanks for that, I was self employed when I took out any loans, still in the process of getting them to pay out.

[honey56]

Thanks for that, I was self employed when I took out any loans, still in the process of getting them to pay out.

 

Good luck, with your claims. Lloyds paid out easy enough on the loans & credit card my partner had when he was self employed, citicards are the ones who won't pay

[caro]

Make sure you calculate it as well to ensure you aren't being shortchanged

 

Agree with this. Doesn't seem a lot considering how long ago it was.

 

What reason for misselling dud you give for the claim that was rejected?

[honey56]

Lloyds upheld my claim on 2 of the 3 loans, one going back to 1998 received a cheque for £1900, have also received an email this morning to say they are upholding my credit card claim and are in the process of calculating the redress.

 

Thank you for your help.

 

£2500 received from Lloyds credit card taken out in 1998 result

 

Thank you again

[maroondevo52]

£2500 received from Lloyds credit card taken out in 1998 result

 

Thank you again