Advice needed with lloyds PPI

[divadeb]

Hi...... Just a quick question.

Just been online looking through bank statements from 2005 and found I had accounts with :-

Welcome finance

2 accounts with Advantage finance

DLA Direct ( have no idea who these are)

I am going to be sending SARs to Welcome plus £10 fee, do I send £20 to Advantage as I had 2 loans with them????

Thanks, Debbie.

[dx100uk]

1 sar per bank or group

[divadeb]

Thanks Dx.....you always come to my rescue

[divadeb]

Just got a questionair in the post from Lloyds regarding my PPI claim.

They want to know the far end of a fart, I don't know we're to start lol.

I think there trying to put me off completing it and sending it back lol.

Wish me luck

[dx100uk]

don't use that

use the FOS CQ

their questions are loaded in their favour

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

[divadeb]

I didn't know I was allowed to do that, will it affect my claim if I don't use there's ???

Thanks dx.

[dx100uk]

yes

probably to the better

 

 

dx

[maroondevo52]

yes

probably to the better

 

 

dx

 

I'd have to agree

[divadeb]

I hope you don't think I'm daft but I thought you only used FOS if you was in dispute with your claim. i don't want to mess about downloading the form from FOS to be told by Lloyds I have to use there form.

[dx100uk]

no its the std form they all should be using

nothing [at this stage] to do with a complaint involving the FOS.yet

 

 

its the std resource from the FOS

[divadeb]

Ok just looked at the form. Seems straight forward only problem is I don't have any information on the loan apart from the date it was taken out.

When I rang the banks PPI claim number the guy I spoke to asked me various questions then confirmed I had taken out the loan. He then said if there is no PPI on the loan you will get a letter saying so but if there is you will get a questionair to fill in with all the details on it. There is no details apart from a reference number...... Do I ring the PPI number again for all the details, will they give me them? Should I send a SARs, the guy told me not to as they deal with everything direct.

Thanks

[dx100uk]

Of course they deal direct

And short change you

 

Get all the statements by sar as already advised

Else you won't know if any repayment is short

 

Don't walk before you can crawl

 

They could fleece you blind

So wait on the fos CQ too

[divadeb]

Quick update.....

Got one of my SAR requests back from Advantage, I had 2 accounts with them but as the one of the accounts was in my ex hubby's name they would not give me details, so he is sorting that out himself.

They sent my SAR on a CD which I'm not pleased about. I can't work out if there was ppi or not ....on some of the paperwork the box looks ticked and on others it looks empty. The other thing I noticed was I had taken out GAP vehicle protection insurance, can't remember that been sold to me ggrrrrr.......is GAP reclaim able???? Thanks.

[dx100uk]

Gap yes same as

PPI

Scan up the statements to one multi page pdf

[divadeb]

dx .... I don't know how to do that as I only have an iPad, my friend put the cd in her computer for me to read. I can ask her to send the photos of the documents to my email addy and then pass them on to you again by email....if that makes sense.??

[dx100uk]

happy with that

agreement too then please

 

 

dx