PPI Reclaiming Discussion part 4

neilhawk

Hi, I had a ppi complaint upheld by the FOS a couple of months ago which Lloyds TSB chose to ignore, so it was passed on to the ombudsman himself. I understand that the FOS have a high volume of complaints to deal with and they have been very helpful and have kept me well informed so I don't mind the time it is taking but I was just wondering if this is normal behaviour by the bank? Is it just another stalling tactic? Surely they risk having to settle for more than the original ruling? (although I suppose there's the chance the ombudsman will now rule in their favour). Anyone had a similair experience or know if this is usual?

Cheers, Neil.

bugsy161

neilhawk wrote: »

Hi, I had a ppi complaint upheld by the FOS a couple of months ago which Lloyds TSB chose to ignore, so it was passed on to the ombudsman himself. I understand that the FOS have a high volume of complaints to deal with and they have been very helpful and have kept me well informed so I don't mind the time it is taking but I was just wondering if this is normal behaviour by the bank? Is it just another stalling tactic? Surely they risk having to settle for more than the original ruling? (although I suppose there's the chance the ombudsman will now rule in their favour). Anyone had a similair experience or know if this is usual?

Cheers, Neil.

It is normal for Lloyds to ignore the decision made by the adjudicator. They did it to me in March this year and it took another 4 months to be seen by an Ombudsman, who also found in my favour.
The likelihood is that the Ombudsman will agree with the adjudicator and Lloyds will also be fined for having a complaint upheld against them.

bugsy161

amersall wrote: »

Give it a go yourself for free a company can do no more or less than you can do you will get all the help you need on this site.

Hi Amersall and Di, and all those who are aware of the Bugsy ongoing saga...........,

Can you believe it...............I have just had a phone call from Lloyds customer support.
My claim is 98% of the way sorted and I should get the figures next week.
Apparantly they only have records going back 10 years so they have to manually reconstruct the account before this date. With mine going back 23 years it was the biggest one they have had to deal with to date!!!
At least I now have a direct line number to the woman who is actually dealing with my case.
She did say that she had been passed the email that I sent to Eric Daniels this morning, so I think that some bottoms have been kicked, although the number of complaints they are having to redress at the moment is running into the 1,000's.

di3004

bugsy161 wrote: »

Hi Amersall and Di, and all those who are aware of the Bugsy ongoing saga...........,

Can you believe it...............I have just had a phone call from Lloyds customer support.
My claim is 98% of the way sorted and I should get the figures next week.
Apparantly they only have records going back 10 years so they have to manually reconstruct the account before this date. With mine going back 23 years it was the biggest one they have had to deal with to date!!!
At least I now have a direct line number to the woman who is actually dealing with my case.
She did say that she had been passed the email that I sent to Eric Daniels this morning, so I think that some bottoms have been kicked, although the number of complaints they are having to redress at the moment is running into the 1,000's.

Hi bugsy

Glad you've had some feedback at last :T:T.

I suppose this may explain the delay as they have lots of info to try to get into going back 23 years etc.;)
Still keep at them for updates, the very best of luck to you honey.:beer:XX

di3004

madwithlloyds wrote: »

Update Llloyds TSB

After lots of frustration on monday, today I had a call from my branch manager (she left a message on my answer phone) to say that she was very sorry for the delay in response to my claim but the advisor that we took the loan out with had moved to another branch (we have 2 loans and saw 2 advisors) and she had forwarded all the information to the branch he was now with, but due to the branch manager having had familiy issues the matter of my claim had not be dealt with.

Lloyds are a huge company and Im rather worried that one member of staff having family issues can cause such problems in dealing with a customer complaint!

This second set of letters has been since 11th June after the first set got lost and then found again!

I emailed customer care in Wales on monday aswell as the CEO expalining what had gone on and I have now posted (registered) copies of all the paperwork to date to the address in Wales too.

I have had a letter this morning saying that customer care are looking into the the matter and they have 8 weeks to respond.

My fault really for not sending it to them in the first place, but im so frustrated that Im right back where I started way back in April!

Regards

Madwithlloyds

Hi there

Thanks for your update.
And do not worry, I'm sure all will be sorted and resolved in good time, they could have discreetly stated they will try to get on with this sooner though, as its not your fault with the staff members family issues, they always have someone else on hand to deal with complaints, and to forward them on.

Still lets hope there's a good result out of this one for you soon, good luck.;)

di3004

neilhawk wrote: »

Hi, I had a ppi complaint upheld by the FOS a couple of months ago which Lloyds TSB chose to ignore, so it was passed on to the ombudsman himself. I understand that the FOS have a high volume of complaints to deal with and they have been very helpful and have kept me well informed so I don't mind the time it is taking but I was just wondering if this is normal behaviour by the bank? Is it just another stalling tactic? Surely they risk having to settle for more than the original ruling? (although I suppose there's the chance the ombudsman will now rule in their favour). Anyone had a similair experience or know if this is usual?

Cheers, Neil.

Hi there Neil.

Yes I agree with Bugsy, Lloyds are mainly one of those who tends to ignore the adjudicators decisions, but the ombudsman will sort this out for you now, you should also be awarded further redress for the distress and inconvenience this have caused.

Do get in touch for updates regular though, good luck.;)

amersall

bugsy161 wrote: »

Hi Amersall and Di, and all those who are aware of the Bugsy ongoing saga...........,

Can you believe it...............I have just had a phone call from Lloyds customer support.
My claim is 98% of the way sorted and I should get the figures next week.
Apparantly they only have records going back 10 years so they have to manually reconstruct the account before this date. With mine going back 23 years it was the biggest one they have had to deal with to date!!!
At least I now have a direct line number to the woman who is actually dealing with my case.
She did say that she had been passed the email that I sent to Eric Daniels this morning, so I think that some bottoms have been kicked, although the number of complaints they are having to redress at the moment is running into the 1,000's.

Thank god for that and three hail marys about time too :cool:

neilhawk

Thanks to bugsy and di, you have put my mind at ease, i will keep you posted.

di3004

neilhawk wrote: »

Thanks to bugsy and di, you have put my mind at ease, i will keep you posted.

Your very welcome Neil, all will be okay.:);)

Gprice82

di3004 wrote: »

So just as long as your parents are happy with the result then they can sign to accept.

I would make sure though that they are calculating inline with the Financial ombudsman service (FOS) first, so this should also include interest as well.

Good one.......:beer:

Thanks for reply.

I spoke with the fos today, they advised me to send off the data request authorisation form so they could check the status and payment etc of the loan.

However they advised me not to sign the declaration form until I know what they are offering and that it's online with regulatory regulations. They said to call them and explain this.

I called awd and spoke with a gent in the complaints dept and he said it should be ok, so I sent a letter saying at the moment were unprepared to sign the declaration as full an final settlement of our complaint until we get a full breakdown of what they are offering.

Letter is in post so guess it's waiting game now.