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PPI mis-sold over 20 years ago. Lloyds deny ever taken out. Claim rejected. Help!


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Good Morning All,

My dad took out a couple of loans and credit cards in the early 1990s with TSB (Later part of Lloyds).

 

 

He was advised at the time that he could not take out the products unless he also took out PPI.

 

 

He did not need the PPI as at the time he had a very good job

which had an excellent sick pay/redundancy policy.

 

 

He recently tried to claim this PPI back through a claim company.

The claim company were eventually sent a Data Subject Access Request

showing basic details of the accounts my Dad held with the TSB.

 

 

Lloyds (TSB) claim that my Dad did not have PPI on any of the loans or credit cards.

He knows that he did but has no way of proving otherwise.

 

 

The Loans and CCs were taken out so long ago he has no proof.

The claim company have since sent him a letter along with a copy of the DSAR

stating that they have rescinded their contract with him.

 

 

My first question is this,

 

 

where does my dad go from here.

He knows he was mis-sold PPI but has no way of proving this.

 

 

Secondly, If there is a way of proceeding and he was successful in his claim,

can the Claim company demand any of this money from him?

 

 

Thank you so very much to anyone that takes the time to respond to this post.

 

 

My Dad and I will be most grateful for any advice.

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no the claims company contract is now closed.

 

 

why don't you send an sar

to both Lloyds

and

tSB

 

 

the info will be around somewhere

we know they have details going back too well into the 90's

 

 

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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Thank you very much for your reply dx.

 

will this not just result in them sending the same thing to my Dad again?

 

 

The letter he received from the claim company included a copy of what they called a 'Data Subject Access Response' from Lloyds.

 

 

It consisted of an excel spreadsheet giving only reference numbers, my Dads name, his present postcode,

a column for the type of product and a column saying 'No PPI' to which they have entered No to all of them.

 

 

Sorry to sound ignorant.

 

 

Dad asked me to help and I have never done this before so haven't a clue.

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when the fleecing CMC sent their letter

it was obv that they wanted info on PPI

 

you send a new SAR

 

stating you want ALL the info they hold for his personal records.

 

this is one of the reasons why recommend never to use a CMC

 

in a way Lloyds have done you a favour

 

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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Thank you very much DX.

I will let my Dad know what you have advised and will get him to send letters to Lloyds and TSB. Cross fingers for us. I will let you know how it goes. Hopefully in his favour :-)

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