Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

PPI with Lloyds - need help/advice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6245 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I contacted lloyds customer service regarding PPI and was told to contact the branch where I got the loan. Contacted my local branch and was told, that I would have to take out a new loan and that the interest rate would be higher but someone would call me to explain exactly what would be done. Has anyone had the same problem with lloyds? and is this information correct? I really do not want to take out another loan at a higher rate, is there any way around this as the PPI was mis sold to me. Finally, in case I need to send a letter of complaint to lloyds, does anyone have their address.

Link to post
Share on other sites

hello, first of all stop PPI if you still have it...second, send them CCA 1974(request for the copy of the agreement) with £1-12 days and SAR(request to supply you with the statements) £10-40 days...

When receive the copy of the agreemnt -check if it properly executed and has all prescribed terms as in CCA 1974...

 

You do not need to take the loan..this is a scare tactics they use...

If you have any questions let us know.

Regards

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

Link to post
Share on other sites

What you have been told by the Branch is a load of Ballocks to say the least, They can and will cancel the PPI without the need to take out a new loan. Talkint to the Branch in my opinion is a waste of time and effort as they do not have the authority to give Refunds on PPI if they have been mis-sold.

 

Lloyds hate me at the momment..lol but nothing new there, If you need Contact details for Lloyds give me a shout ...

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Thanks for your advice, will be requesting SAR, as already have bank statements, which I believe are up to date. At first I was thinking about cancelling ppi, but lloyds are making this difficult for me by insisting a take out a second loan. I was wondering, how would I go about cancelling the PPI? as it is coming out as one payment with the loan (there is not two separate payments), or would I be able to claim back all of the PPI paid? Also, I would appreciate the contact details for lloyds. Just to let you all know, the bank did not return my call.... still waiting lol!

Link to post
Share on other sites

Hello,

Data Protection Act( SAR) should be send to:

 

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

You should check the cancellation policy and T&C. I would personally send them a letter requesting to cancel PPI.They have to rebate the difference to your account.You can claim PPI if it was mis-sold...

Of cause they are making it difficult for you..PPI is the most profitable insurances or/and extras...aded to the loan...etc

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

Link to post
Share on other sites

Hi,

Sorry itsme , Have to slightly disagree with them having to rebate the difference onto the loan account balance. They did try that with me , but I continued to fight and got the PPI premium refunded directly into my current account, after all it was my money and I decided what I wanted to do with it, they did of course try to dictate as they normally do, but they lost..lol.

 

The address for Compliants : -

 

Customer Care Department

Lloyds TSB Insurance

Tredegar Park

Newport

South Wales

NP10 8SB

 

 

 

Just out of Curiosity does your loan agreement have it as a Non-Cancellable Credit Agreement on the top of your documents.. it does on mine and I am currently looking into this a bit more.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Hi reidnet,

in my case i didn't have a choise..they just rebated it to my account( but i also stoped paying them).I didnt accept it..it just what they had done to the account..i agree he has to fight to get PPI refunded...Anyways you are the best person to advise in this case as you did WIN the case with LLOyds...

 

 

xxx

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

Link to post
Share on other sites

Hi Itsme,

It could have also been that my claim with Lloyds re the PPI was sort of settled before the Brown sticky stuff hit the fan with PPI. It was only after my Lloyds claim was settled that I really started looking into PPI in more depth and started my campaign against GE Money (which is still going on and on..lol - Just waiting for the District Judge to get Directions for case).

 

I know for sure I am not at all liked by Lloyds, through their latest correspondence and threats from solicitors etc, again this has still to be resolved, but lloyds have gone all quiet since my last letter to them. But then again I have another upcomming fight with them due to start in the next week or so..But will keep that under my belt for just now..;)

 

All these organisations will change their tactics as the issues with PPI become more aware to the general public, again I have been a bit quiet on this front but something is in the pipeline as soon as I get the court Date for my case against GE Money. :D

 

It is know for a fact that Lloyds have been known to monitor CAG.. :eek: postings, thats why Im not saying anything about what is in the pipeline for them..lol

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

Evening Reidnet,

I agree with you....when i started my thread againts welcome i was posting everything in their...and i think after you pointed that the CAG could be watched by the bank/financial organasation, i stoped writing enything till my letters delivers to WF(or other companies/ banks i am dealing with)..it's very hard, because when you need an advise, sometimes you have to sneek, hide...etc...i think CAG should be more privit, but more than sure it just not possible...All what you said is correct, and i agree with you....I can see that your fight with GE is hard enough....(mine is not easy as well)...but you know what..i am more than sure we will win..with all the help and support...with all knowledge that we got from here...

 

 

Nice cup of tea?:))))))))))))

 

 

xxxxxx

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

Link to post
Share on other sites

Thank you both for the help and advice. I contacted Lloyds loan dept. today and asked for the address to send in a complaint. The gentleman on the other end was very helpful and he gave me an address in Birmingham - and a letter was sent by Recorded Delivery today requesting that PPI be cancelled and a full refund requested due to the policy being mis-sold. During the weekend will download template letter requesting SAR and post by Recorded Delivery on Monday. Will update all accordingly.

Just to let you know, I found the information about the difference for the refund being placed into my bank account very interesting. Will now wait for a response and if they decide to give a refund, will be requesting that it be paid into my bank account!

 

Will keep you all updated!

Link to post
Share on other sites

Just to let you know, I found the information about the difference for the refund being placed into my bank account very interesting

 

Can you tell us what it is?

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

Link to post
Share on other sites

Hi Itsme,

Well i know onething for Sure I will put up a bloody good fight with GE..lol

 

Ian

x

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...