PPI Reclaiming discussion Part III

marshallka

showergirl wrote: »

Have just received my final response from Tesco. They have said NO they will not uphold my complaint. So off to the ombudsman I go

Oh showergirl, I feel really p**sed off for you on this one. I know how much it has got to you. Lets hope the ombudsman see it your way. I am sure they will.;)

OliviaM

marshallka wrote: »

Yes, if you feel this was missold and the letter received is not a final response to you then send them another.

Is your only reason being self employed though..?? Sometimes its best to add any other reasons too as they could argue that you are covered for self employment. You say that they told him he would have more chance getting the loan with the PPI. This is another reason too.

You really should not need to use a company as this is something you can do for yourself. What date was the loan taken out?

He has 2 loans - one from Oct 2003 and one from oct 2004. the initial letter stated self employed and strengthening application. They have used the signed an acknowledgement of purchase response to the self employed bit and strengtening application. The strengthening app response also refers to training of staff and states "Lloyds TSB did not lead customers to believe the insurance was compulsory or that the application of credit would be compromised in the absence of cover"

di3004

dreamer33 wrote: »

Hi all how is everyone todayxx

My do we have spies on this thread? Who is it?

Spies.......:eek:
Where ???

marshallka

Incipience wrote: »

Did you all read those FO links from Marshy, some seriously interesting things in their. obviously not going to post the key point but I would suggest that you really read them.

Glad you have actually read them Incipience...:D

They are interesting

di3004

marshallka wrote: »

I have decided to not post my replies from the FOS in a copy paste mode and also letters I send in a copy/paste mode. You do have to be careful.;)

I will still keep everyone updated though...

Good idea Marshallka, I one post mine on here.....:rolleyes: , so safer to do what you will do.;)

showergirl

Natalie6999 wrote: »

Welcome to the club, have you checked their letter for contradictions & mistakes? I bet you can find some.

What reason did they give for rejecting your complaint?

It is a 4 page letter from them.

I quote " This legal document was completed as a formal record of the loan. when you signed it you specifically confirmed that you required payment protection insurance "

di3004

OliviaM wrote: »

Hi!

I'm new here, so please forgive me if I am posting in the wrong place or repeating something that has already been asked. If either apply could some point me in the right direction?

Anyway, my husband is currently trying to reclaim his PPI from Lloyds TSB. We have written the first letter outlining that he believes it was missold because he was (and still is) self-employed at the time of taking it out and that the salesperson led him to believe it would make his application stronger.

He has had a decline letter today, which in a very long winded fashion basically says he was not missold it because Lloyds did training with their staff and he signed an Acknowledgement of Purchase form which clearly stated what he was and was not covered for and gave a 30 day cancellation period. The letter is 6 pages long!

Should we send the 2nd stage letter which basically just states that we're not happy with the response? Or do we not have a case?

Any advice would be very welcome. I persuaded hubby to do this ourselves rather than using a company to do it and paying money for it, so I feel a bit responsible for getting a decent outcome.

Thanks in advance,

Olivia

Hi Olivia

And welcome.

Good luck with Lloyds.

They do tend to take their time regarding these complaints, I know this due to my experience with these.
But if you still do not succeed, keep a them, you always have the FOS, I see others here, Marshallka etc have also been helping you through this, good luck.

My case about Lloyds is actually within the FOS right now, I am hoping this will be resolved soon, keep us posted on your situation with Lloyds hun, fingers crossed to you.;)

Di
x

marshallka

showergirl wrote: »

It is a 4 page letter from them.

I quote " This legal document was completed as a formal record of the loan. when you signed it you specifically confirmed that you required payment protection insurance "

Sounds like the usual fob off and I had the same with my bank but won at the FOS under Goodwill too.;)

Natalie6999

showergirl wrote: »

It is a 4 page letter from them.

I quote " This legal document was completed as a formal record of the loan. when you signed it you specifically confirmed that you required payment protection insurance "

Who dealt with your complaint, was it the caseworker who was assigned to your case? I was assigned one but another dealt with my case & was useless.

Incipience

New Excuse Thread Started.