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A couple of years ago I sent the usual PPI reclaim letters to the credit card companies.

 

 

I recieved refunds from all but 1, Lloyds.

 

 

They sent a reply saying that I didn't have PPI.

 

 

Out of the blue, about 5 weeks ago,

I got a letter from Lloyds saying that I did have PPI on a credit card which I took out in 1994,

however, they also said that I wasn't due a refund.

 

 

With this I called the number and spoke to someone,

who I explained that as I was self employed at the time

and that the advisor who signed me up for the card was an employee of Lloyds

and was therefore not able to give me impartial advice.

Despite this, I have still had a refusal from Lloyds to refund the missold PPI.

 

I'm a little rusty, as I haven dealt with these for a while.

 

 

Can someone please point me in the right direction with the best way to respond.

 

Many thanks

 

E5D


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Send Lloyds a SAR to get details of the credit card account.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Send Lloyds a SAR to get details of the credit card account.

 

Thank you for the reply. What good will that do, as they've already acknowledged that my card from 1994 had a ppi policy bundled with it


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What good will that do,

 

Well it may tell you exactly what you paid in premiums to this PPI policy they bundled with the card, It may also help people trying to help you if you gave us the reason the bank gave for not refunding this as you say mis-sold PPI.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Download the FOS PPI questionnaire - do not use the Lloyds form - i successfully reclaimed from them for a CC - best just to focus on one reason why you beleive it was missold.

 

Sar should enable value to be worked out.

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I took out a credit card with Lloyds back in 1994.

 

 

I've been self employed since 1989, so was self employed throughout holding this card and policy.

 

 

I've been told that PPI policy's don't offer the same benefits as they do for employed people.

 

 

Is this the case, because Lloyds have rejected my claim, saying that their PPI policy carried the same benefits for both.

 

 

I've asked for proof, but they haven't provided me with any.

 

 

Does anyone know if this is true please?

 

Many thanks

 

E5D


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Hi welcome to CAG

 

You may want to send lloyds a full subject access request to see what paperwork turns up.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Agree with SabreSheep, you need to get all the paperwork relating to this credit card and PPI policy. They will tell you any old tosh to get you to back off, they may be telling the truth but you'd want proof of that.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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its typical that it does cover both

but only if you are the owner of said business and close that business with regard to HMRC.tax etc

 

 

if you were SE and working for someone else

like lets say a private hire taxi driver..you didn't own any business

so the PPI is useless.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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