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  • FIRST POST
    • Gav76
    • By Gav76 11th Mar 17, 2:14 PM
    • 4Posts
    • 0Thanks
    Gav76
    Old Lloyds loan PPI is it possible?
    • #1
    • 11th Mar 17, 2:14 PM
    Old Lloyds loan PPI is it possible? 11th Mar 17 at 2:14 PM
    Hi guys & girls,

    My head is about to explode from reading all the info available so please excuse me if I'm asking some very stupid questions.

    I'm 100% sure I had PPI from a car loan a long time ago.
    I simply haven't bothered to attempt to reclaim PPI from a personal loan going back possibly to 1999 - 2000. Because I knew it would give me a headache (and it has)..

    Here's the info:
    I only know the loan was between 1999 - 2000 (I think)
    It was with Lloyds.
    The same current account is still open and in use.
    I have no paperwork from this loan (I've searched).
    I do remember being told in branch at the time I took out the loan that the insurance was a "must have" making me feel it was compulsory.

    Here's what I've done so far:
    Applied for a complaints form from Lloyds. (can also be found via Lloyds website as a pdf).
    Got sent the form - On the letter sent with it they have included 3 separate account numbers?? They are all 14 numbers in length. (Are these numbers loan account numbers)?
    If so does that mean I've had 3 loans in the past and would it possible that all 3 had PPI?
    (I probably have had 3 separate loans but only 1 sticks in my mind regarding PPI).
    They did not send any other info btw.

    The Lloyds (with sent form) letter states:
    Please complete and return the enclosed questionnaire within 14 days.

    Is this a joke? I was under the assumption it is..

    My problem is I can't fill the form out properly because:
    1: I do not know which of the 3 account numbers was for the loan I definitely know had PPI with it.
    2: I do not know the exact date I took out the policy/loan. Or remember the exact amount (might have been £5K).

    Is it worth phoning Lloyds and would they give the above info out to me or would they even still have this info after 17 - 18 years or not?

    If anyone out there could possibly nudge me in the right direction and has had experience with reclaiming PPI from an old loan without paperwork and any other thoughts about what I could do next I'd much appreciate it !!

    Best,
    Gav.
Page 1
    • McKneff
    • By McKneff 11th Mar 17, 2:23 PM
    • 35,162 Posts
    • 45,295 Thanks
    McKneff
    • #2
    • 11th Mar 17, 2:23 PM
    • #2
    • 11th Mar 17, 2:23 PM
    All you can do is fill in the form to the best of your ability. If there are 3 loans, they will check them all.

    You dont reclaim and get it back just because you paid it. You make a complaint, and provide back up for your complaint. Your case is weak simply because you have none.
    He said, i said is not proof so dont hold your breath.

    Let us know how you get on please
    No one can make you feel inferior without your consent
    • Gav76
    • By Gav76 11th Mar 17, 4:05 PM
    • 4 Posts
    • 0 Thanks
    Gav76
    • #3
    • 11th Mar 17, 4:05 PM
    • #3
    • 11th Mar 17, 4:05 PM
    Yes I will be complaining with the form not just filling the form out. The woman who gave me the loan deliberately pushed me into paying for insurance like so many other people. It was never explained that the insurance wasn't necessary during the agreement. I'll be writing this in the form because its the truth.
    • amersall
    • By amersall 11th Mar 17, 7:09 PM
    • 16,545 Posts
    • 18,597 Thanks
    amersall
    • #4
    • 11th Mar 17, 7:09 PM
    • #4
    • 11th Mar 17, 7:09 PM
    You will have to prove that was said, you cannot prove, so do not put that.
    Give valid reasons for mis sell and let them deal with it.

    • zx81
    • By zx81 11th Mar 17, 7:34 PM
    • 10,805 Posts
    • 10,719 Thanks
    zx81
    • #5
    • 11th Mar 17, 7:34 PM
    • #5
    • 11th Mar 17, 7:34 PM

    The Lloyds (with sent form) letter states:
    Please complete and return the enclosed questionnaire within 14 days.

    Is this a joke? I was under the assumption it is...
    Originally posted by Gav76
    I've not seen much stand up comedy from the Lloyd's PPI team, but I wouldn't imagine it's their forte.
    • Gav76
    • By Gav76 11th Mar 17, 7:47 PM
    • 4 Posts
    • 0 Thanks
    Gav76
    • #6
    • 11th Mar 17, 7:47 PM
    • #6
    • 11th Mar 17, 7:47 PM
    Thankyou for the answer.
    I thought it’s up to the PPI seller to prove that I had the insurance fully explained and that I agreed to pay it? At least that is what I've read from many sources, If the bank can't prove me wrong and I can't prove them wrong (because this was verbal many years ago) then they can either refund me or refuse. I'll still send it off I have nothing to loose and just write that I was not told PPI was optional at the time of the agreement. Just found out this goes back to 1997 so earlier than what I originally thought.
    • -taff
    • By -taff 11th Mar 17, 8:15 PM
    • 6,968 Posts
    • 4,355 Thanks
    -taff
    • #7
    • 11th Mar 17, 8:15 PM
    • #7
    • 11th Mar 17, 8:15 PM
    No, the onus is on you to prove your complaint because you are not claiming [ Martin has an unfortunate tendency to dumb down sometimes], you are making a complaint of wrong doing.
    These days though, just complain, they'll invesitgate, if you paid single premium, they usually give you redress.
    • Gav76
    • By Gav76 11th Mar 17, 8:53 PM
    • 4 Posts
    • 0 Thanks
    Gav76
    • #8
    • 11th Mar 17, 8:53 PM
    • #8
    • 11th Mar 17, 8:53 PM
    Cheers -taff, I've taken that on board.

    I'll fill it out the best I can and send it off and come back to tell whether it was successful or not.. And no I won't hold my breath for compensation. Still if you don't try you never know.
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