PPI Reclaiming Discussion part 4

di3004

CurlieSue2

I forgot to add, if you've no paperwork, just as long as you have the account number that is fine, you can then just request for a copy of your agreement in writing (give them the account number) and enclose £1 cheque or postal order, request they supply by 12-14 days.

The other way is to request a Subject Access Request (SAR) where they have 40 calendar days to comply and send all the data they hold on you.
You have to enclose a payment of £10 cheque or postal order for this request.
SAR letter template here:
https://forums.moneysavingexpert.com/discussion/1475553

To retrieve an account number, this should be shown on statements from your bank next to the monthly repayment, if you bank online this should allow you to go back about 6-7 years.:)

di3004

Bugsy are you about at all?:D

I need some contact details from you please, this is in regards of the FOS and some calculation issues that have been going on since March 2010, basically my hubby was paid out but they think something was amiss and the last email was received in July from the one dealing with the calculations, and stated they were still liaising with Lloyds on the matter and will get back in touch soon.

So we emailed for an update today, only to receive an email back today that - that actual adjudicator have now left the FOS, and to email the casework response section, done that but I feel it may even take more time before he hears anything.

So what i do require is details of Natalie Cheedy, something like that, is that her name?

Thanks hon.:D;)

bugsy161

di3004 wrote: »

Bugsy are you about at all?:D

I need some contact details from you please, this is in regards of the FOS and some calculation issues that have been going on since March 2010, basically my hubby was paid out but they think something was amiss and the last email was received in July from the one dealing with the calculations, and stated they were still liaising with Lloyds on the matter and will get back in touch soon.

So we emailed for an update today, only to receive an email back today that - that actual adjudicator have now left the FOS, and to email the casework response section, done that but I feel it may even take more time before he hears anything.

So what i do require is details of Natalie Cheedy, something like that, is that her name?

Thanks hon.:D;)

Hi Di,

I am contesting my remuneration as well, as you know, and have a chap from the FOS, called Cyrus Ghzvini awaiting to receive the figures from Lloyds. I am sure that my letter to Natalie Ceeney helped in getting things sorted.

I have also sent a further complaint to Lloyds telling them that they have acted illegally in using my redress to clear my credit card debt without any consultation with me.

Lloyds believe that the reconstructing of my account is done by using my refund money to clear the debt. My interpretation of reconstructing the account is removing all the PPI plus interest and then re working the statements, minus the PPI and interest.

Lloyds also told me that they use the last statement they have on file from 10 years ago to determine the calculation for 2000 back to 1987. The FOS have said that it is the average of the last 12 months that is used, so I still think that Lloyds are trying to pull a fast one.

The address for Ms Ceeney is;


Ms Natalie Ceeney, C.B.E.
Chief Executive and Chief Ombudsman
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

If you write to her ask for an emailed confirmation of receipt of your letter. Her executive assistant, Joe Miles, will e mail you very promptly.

di3004

bugsy161 wrote: »

Hi Di,

I am contesting my remuneration as well, as you know, and have a chap from the FOS, called Cyrus Ghzvini awaiting to receive the figures from Lloyds. I am sure that my letter to Natalie Ceeney helped in getting things sorted.

I have also sent a further complaint to Lloyds telling them that they have acted illegally in using my redress to clear my credit card debt without any consultation with me.

Lloyds believe that the reconstructing of my account is done by using my refund money to clear the debt. My interpretation of reconstructing the account is removing all the PPI plus interest and then re working the statements, minus the PPI and interest.

Lloyds also told me that they use the last statement they have on file from 10 years ago to determine the calculation for 2000 back to 1987. The FOS have said that it is the average of the last 12 months that is used, so I still think that Lloyds are trying to pull a fast one.

The address for Ms Ceeney is;


Ms Natalie Ceeney, C.B.E.
Chief Executive and Chief Ombudsman
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

If you write to her ask for an emailed confirmation of receipt of your letter. Her executive assistant, Joe Miles, will e mail you very promptly.

Thank you so much for this.:T;)
Arh almost had her surname right lol :D LOL.

I do think Lloyds have a law of their own.

With hubby's it was about 2007 he made the complaint to the FOS, something like that, and it was originally upheld in 2008 but they ignored the adjudicators decision, then of course it went onto the ombudsman and again they upheld, and they paid out in March this year, the adjudicator asked when hubby receives the calcs is to let them know, so these were sent on to them, and they got back to say they were contacting lloyds again on this to ask them to re-access as something did not add up, this is what he have been waiting for since the end of March, so 6 months just awaiting if the calcs and refund he received was correct or not.

I will write to Natalie then and use the same procedures as yourself.
Thanks again hon.:T;)X

bugsy161

di3004 wrote: »

Thank you so much for this.:T;)
Arh almost had her surname right lol :D LOL.

I do think Lloyds have a law of their own.

With hubby's it was about 2007 he made the complaint to the FOS, something like that, and it was originally upheld in 2008 but they ignored the adjudicators decision, then of course it went onto the ombudsman and again they upheld, and they paid out in March this year, the adjudicator asked when hubby receives the calcs is to let them know, so these were sent on to them, and they got back to say they were contacting lloyds again on this to ask them to re-access as something did not add up, this is what he have been waiting for since the end of March, so 6 months just awaiting if the calcs and refund he received was correct or not.

I will write to Natalie then and use the same procedures as yourself.
Thanks again hon.:T;)X

When I got the first reply from Joe Miles I used to email directly back and within a day I would get a phone call from the FOS case workers.

I now phone once a week for an update but, more often than not, the FOS phone me first.

di3004

bugsy161 wrote: »

When I got the first reply from Joe Miles I used to email directly back and within a day I would get a phone call from the FOS case workers.

I now phone once a week for an update but, more often than not, the FOS phone me first.

Thanks for that Bugsy.;)
At least now i know what to expect.

This is one of the previous emails received in July..... to my hubby

Dear Mr ,

Thank you for your e-mail and apologies for the delay in responding to you.

I am currently looking into the the progress made in assessing your settlement calculation. I will be in touch when I have given an update.

Yours sincerely,

E

Tel: 020 / Fax: / South Quay Plaza, 183 Marsh Wall, London, E14 9SR


And

Dear M,

Thank you for your e-mails.

Please accept my repeated apologies for this delay, we are still liaising with Lloyds.

Again as previously stated this issue is being dealt and we will be in touch when we are able to update you and answer your query below.

Yours sincerely,

E

Tel: 020 3 / Fax: 020 / South Quay Plaza, 183 Marsh Wall, London, E14 9SR

di3004

When emailed that actual one that was dealing with the case today, this was the email response.......


Thank you for getting in touch with the Financial Ombudsman Service. The person you are trying to contact no longer works at the ombudsman service, but, if you have an enquiry you'd like us to look into, please contact us at the following address:
[EMAIL="casework.response@financial-ombudsman.org.uk"]casework.response@financial-ombudsman.org.uk[/EMAIL]
Please do not reply to this message, this is an automatic response to the message:
Re: Our Ref
Any incoming messages to this address are not read or acted upon.

bugsy161

di3004 wrote: »

Thanks for that Bugsy.;)
At least now i know what to expect.

This is one of the previous emails received in July..... to my hubby

Dear Mr ,

Thank you for your e-mail and apologies for the delay in responding to you.

I am currently looking into the the progress made in assessing your settlement calculation. I will be in touch when I have given an update.

Yours sincerely,

E

Tel: 020 / Fax: / South Quay Plaza, 183 Marsh Wall, London, E14 9SR


And

Dear M,

Thank you for your e-mails.

Please accept my repeated apologies for this delay, we are still liaising with Lloyds.

Again as previously stated this issue is being dealt and we will be in touch when we are able to update you and answer your query below.

Yours sincerely,

E

Tel: 020 3 / Fax: 020 / South Quay Plaza, 183 Marsh Wall, London, E14 9SR

The FOS have told me it may take a few weeks to get the data but they will let me know as soon as they have it.

I will keep you updated.

di3004

bugsy161 wrote: »

The FOS have told me it may take a few weeks to get the data but they will let me know as soon as they have it.

I will keep you updated.

Good luck bugsy that would be good.;)

This is why I think now its time to contact Natalie on this, they have had 6 months to get these calculations sorted with lloyds.X

bugsy161

di3004 wrote: »

Good luck bugsy that would be good.;)

This is why I think now its time to contact Natalie on this, they have had 6 months to get these calculations sorted with lloyds.X

I firmly believe that Lloyds have something to hide but most people just walkaway with what they get, happy that they have won, and happy to have money back in the bank.

Take my situation.

I have requested an SAR from Lloyds last week but the 6 statements I have to hand are from 2003, 2004 and 2007, with a balance of £12,200, £11,400 and £14,400 respectively, and PPI of £77.00 per month on average. Over the 4 years the balance hovered around the same sort of level.
I took out loans with Lloyds in 2002 (5 year) and 2004 (7 year) to consolidate debt, including the Lloyds cc, so it seems strange that Lloyds are telling me that the balance for my cc in Jan 2000 was £1,222 with PPI premium of £12.00! The FOS guideline is an average PPI payment over the last 12 months on record, not one month.
The difference between £12.00 per month PPI used as a figure from 2000 back to 1987, and £77.00 per month is over £40,000 more in redress, so no wonder Lloyds are not keen to provide the figures!!