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AHHHHHH Lloyds TSB AGAIN........


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Good afternoon all. Hope everyone had a great easter.....

 

Here's my case.

 

I took out a loan in 2003 for 10k with Lloyds over 5 years. The repayments are £265 a month and that includes PPI. Last year, I tore a ligament and couldn't work so I tried to claim on my PPI and was told I didn't even take it out. Now when I asked for a settlement figure three weeks ago, surpirse surprise, PPI was included. I told them at the time of taking out the loan I didn't want PPI but it was made a conditional part of the loan. So did I or didn't I????

 

The settlement figure came in at £5200 (shocking considering how little time I have left - 14 months)

 

I told them in a letter to basically get stuffed and asked for a copy of the t&c of loan and copies of all docs which they sent. I adised them to take out the PPI and refund the cost back into my loan account and they said....no (shock)

 

Now the money I had to pay off the loan has been used elsewhere and now I have written to them again to advise them that I will be taking them to court unless the full PPI costs are refunded.

 

 

On another case, I have just totalled up from LLoyds (after waiting 3 months for a set of charges/account statements) that they owe us over £5k in bank charges over the past 5 years. tut tut. So I feel another letter is in order.

 

I am totally sick of being fobbed off by Lloyds and told that the T&C were clearly set out when i openned account/took out loan bla bla bla. If ayone has any suggestions or advice, I would be glad of it.

 

Love reading success stories.....

 

Makes it all worth while.

 

Cant wait for

(the comman man) 1 - Lloyds Tsb 0

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Guest Niklowe

It sounds like you have got a good case for the PPI back, as they are not allowed to make it conditional on the loan.

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy, start a new thread in the section for your institution that you are claiming against, and away you go. There are lots of people to help you, but don't forget this is a very much a self help site.

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Good luck but you won't need it

 

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