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  • FIRST POST
    • Gav76
    • By Gav76 11th Mar 17, 3:14 PM
    • 8Posts
    • 3Thanks
    Gav76
    Old Lloyds loan PPI is it possible?
    • #1
    • 11th Mar 17, 3:14 PM
    Old Lloyds loan PPI is it possible? 11th Mar 17 at 3:14 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, 3:23 PM
    • 35,337 Posts
    • 45,480 Thanks
    McKneff
    • #2
    • 11th Mar 17, 3:23 PM
    • #2
    • 11th Mar 17, 3:23 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, 5:05 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    • #3
    • 11th Mar 17, 5:05 PM
    • #3
    • 11th Mar 17, 5:05 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, 8:09 PM
    • 16,604 Posts
    • 18,654 Thanks
    amersall
    • #4
    • 11th Mar 17, 8:09 PM
    • #4
    • 11th Mar 17, 8:09 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, 8:34 PM
    • 11,951 Posts
    • 12,099 Thanks
    zx81
    • #5
    • 11th Mar 17, 8:34 PM
    • #5
    • 11th Mar 17, 8:34 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, 8:47 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    • #6
    • 11th Mar 17, 8:47 PM
    • #6
    • 11th Mar 17, 8:47 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, 9:15 PM
    • 7,120 Posts
    • 4,521 Thanks
    -taff
    • #7
    • 11th Mar 17, 9:15 PM
    • #7
    • 11th Mar 17, 9:15 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, 9:53 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    • #8
    • 11th Mar 17, 9:53 PM
    • #8
    • 11th Mar 17, 9:53 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.
    • Gav76
    • By Gav76 2nd May 17, 8:25 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    • #9
    • 2nd May 17, 8:25 PM
    • #9
    • 2nd May 17, 8:25 PM
    Let us know how you get on please
    Originally posted by McKneff
    I got a letter from Lloyds today and they will be refunding me a total amount of £2722 !!

    They've had to make assumptions because they don't have the paperwork going back that far but since I have no paperwork either I'll be accepting the refund.

    Just goes to show even without any paperwork and from a very long time ago it was well worth pursuing!

    Thanks to those that helped with advice.
    • siws1
    • By siws1 8th May 17, 1:22 PM
    • 65 Posts
    • 56 Thanks
    siws1
    Can I ask you GAv76 if you remember how much the original Loan was for with Lloyds as we've just started a claim, and also did they ring you up for any extra information or just go from the form submitted? Congratulations by the way.
    • Gav76
    • By Gav76 13th May 17, 3:45 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    Can I ask you GAv76 if you remember how much the original Loan was for with Lloyds as we've just started a claim, and also did they ring you up for any extra information or just go from the form submitted? Congratulations by the way.
    Originally posted by siws1
    Hi siws1,
    My original loan was for £6k, they did not phone me at any point during the process but I did get a text message at the beginning and then towards the end, it said something like "we are reviewing your ppi complaint and will come to a decision shortly". Then a short time later I got their letter through the post to tell me the offer and that I don't need to do anything as it will be paid into my account within 28 days. The letter had a full break down of the refund, some of it was estimated due to them not having the original paperwork.

    I will point out that before filling out the form I went down the bank and asked one of the bank clerks to dig into the database to find, 1: The amount of the loan. 2: The date the loan started. And 3: The policy number of that loan. Because I knew it was the only loan I had PPI on. She could only get this limited info but at least I could use this to fill the form out correctly. On the phone is absolutely useless they would not give me anything and suggested I go and ask in branch so that's what I did.

    Hope that helps! Thanks and good luck to you,take the advice other members gave above about wording the reason 'you are making a complaint'.
    Last edited by Gav76; 13-05-2017 at 3:48 PM.
    • ea6mcu
    • By ea6mcu 13th May 17, 5:47 PM
    • 2 Posts
    • 0 Thanks
    ea6mcu
    Well I must be lucky, I sent an initial PPI enquiry letter to Lloyds a few months ago (template letter from this site). I know I had a few loans and credit cards with Lloyds going back to early 1990's. I didn't know the account numbers or had any paperwork from back then.

    Not thinking much more about it, I got a text message from Lloyds with a PPI reference claim number. A couple more texts saying they wanted to speak to me, but I never did. On Monday there were four letters through my door. Two contained cheques for PPI refunds, the other two were the statements confirming the amounts & calculations. Needless to say, I was very surprised - not only at the amounts refunded (substantial), but also by the fact that the only correspondence I sent was the template enquiry letter.
    • Gav76
    • By Gav76 13th May 17, 6:42 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    Well I must be lucky, I sent an initial PPI enquiry letter to Lloyds a few months ago (template letter from this site). I know I had a few loans and credit cards with Lloyds going back to early 1990's. I didn't know the account numbers or had any paperwork from back then.

    Not thinking much more about it, I got a text message from Lloyds with a PPI reference claim number. A couple more texts saying they wanted to speak to me, but I never did. On Monday there were four letters through my door. Two contained cheques for PPI refunds, the other two were the statements confirming the amounts & calculations. Needless to say, I was very surprised - not only at the amounts refunded (substantial), but also by the fact that the only correspondence I sent was the template enquiry letter.
    Originally posted by ea6mcu
    Well done ea6mcu!
    I like seeing your post because it makes me think this is a lot easier than other people are letting on and it will give others much needed hope. After some of the replies I got here I honestly didn't think I had much of a chance but glad I tried and succeeded and was not put off.
    You never know unless you try, lack of info/paperwork should not put anyone off trying.
    • -taff
    • By -taff 14th May 17, 9:24 PM
    • 7,120 Posts
    • 4,521 Thanks
    -taff
    You don't need hope, you need valid complaint reasons.
    No one told you not to complain, no one told you it was impossible or difficult, they just said make a valid complaint.

    It is that easy.


    They sent you a form and asked you to fill it in. It was that easy,You fill in what you remember and leave the rest to them.
    • Gav76
    • By Gav76 14th May 17, 10:37 PM
    • 8 Posts
    • 3 Thanks
    Gav76
    You don't need hope, you need valid complaint reasons.
    No one told you not to complain, no one told you it was impossible or difficult, they just said make a valid complaint.

    It is that easy.


    They sent you a form and asked you to fill it in. It was that easy,You fill in what you remember and leave the rest to them.
    Originally posted by -taff
    Read the replies, I was told: "don't hold your breathe" "your case is weak simply because you have none". Not exactly confidence boosting is it? At that point I almost didn't bother sending the form off but decided to dig a little and send it off anyway! You sound like a real bundle of fun!
    • Moneyineptitude
    • By Moneyineptitude 14th May 17, 10:49 PM
    • 18,732 Posts
    • 8,909 Thanks
    Moneyineptitude
    Not exactly confidence boosting is it?
    Originally posted by Gav76
    You were simply told to provide a more compelling complaint than the one you detailed in your original post.

    By "digging a little" you appear to have done that and been successful.

    Why are you now being so ungrateful to those who responded?
    • -taff
    • By -taff 14th May 17, 10:54 PM
    • 7,120 Posts
    • 4,521 Thanks
    -taff
    We didn't say yes, you're worthy and you shuldn't take no for an answer because you deserve it, you're the best.

    We just gave him advice on what t say and what not to say. I don't know how I stand myself sometimes.
    • siws1
    • By siws1 19th May 17, 12:54 PM
    • 65 Posts
    • 56 Thanks
    siws1
    GAV76 many thanks for replying. Fingers crossed for us then as we had a couple of cards and one loan for quite a large amount of money so am hoping our complaint is strong enough to be upheld. Thanks for the help.
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