PPI Reclaiming Discussion part 4

di3004

h0pusp0pus wrote: »

thanks di ill check that out going through her paper work some more i can only see paper work and details for the payments to the debit collection agency and not actuly the original loan so would you suggest it would be a good idea to send off for a sar as i cant see any account numbers for the lloyds loan or credit card ect

A SAR may help, or if she still banks with Lloyds, call in and speak directly with the branch manager, some have been given details by going into the bank, but if you prefer to SAR that is fine too.
https://forums.moneysavingexpert.com/discussion/1475553

LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE

h0pusp0pus

di3004 wrote: »

A SAR may help, or if she still banks with Lloyds, call in and speak directly with the branch manager, some have been given details by going into the bank, but if you prefer to SAR that is fine too.
https://forums.moneysavingexpert.com/discussion/1475553

LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE

sorry lol scrap that ive just had a closer look at the covering letters from bls collections and they have very kindly printed the account numbers for both the lloyds credit card and loan on the front how very helpful of them lol

di3004

h0pusp0pus wrote: »

sorry lol scrap that ive just had a closer look at the covering letters from bls collections and they have very kindly printed the account numbers for both the lloyds credit card and loan on the front how very helpful of them lol

Wonderful :T, good luck then.

thegaffer

Hi,

Just had my original credit card application sent to me by Lloydstsb. On the form I've noticed it has a pre typed Yes next to Asset Payment Protection (which i'm assuming is the PPI) that was coming out of my account for so long.

Would this mean I am right in thinking I was miss sold this as its typed in yet next to it it says after all the wording about paying if im ill or have an accident please tick here ! Well it has Yes so i could not have ticked either way !

Many Thanks

amersall

MrsShazbat wrote: »

I've had a response from Capital One this morning saying they're looking into my case, after I completed and sent off the questionnaire. Will keep you posted

Fingers crossed x.

amersall

h0pusp0pus wrote: »

sorry lol scrap that ive just had a closer look at the covering letters from bls collections and they have very kindly printed the account numbers for both the lloyds credit card and loan on the front how very helpful of them lol

Fingers crossed and keep us posted.

amersall

thegaffer wrote: »

Hi,

Just had my original credit card application sent to me by Lloydstsb. On the form I've noticed it has a pre typed Yes next to Asset Payment Protection (which i'm assuming is the PPI) that was coming out of my account for so long.

Would this mean I am right in thinking I was miss sold this as its typed in yet next to it it says after all the wording about paying if im ill or have an accident please tick here ! Well it has Yes so i could not have ticked either way !

Many Thanks

It sounds very much like it!.

ianhillwoodville

Hi everyone

Am guessing I am not alone here in asking questions since the court ruling.

In 2004 I took out a mortgage with GE Home Finance through Purple Loans. The amount of PPI was £11,250. I moved in 2006 and closed the account (incidentally rule of 78 meant I paid a total of over £100k for the loan including monthly payments).


Anyway at the time I was fully covered for sickness and indeed the local government redundancy scheme with many years service in. The seller never explained that there were other products available or enquired into my circumstances. I don't think I was told I wouldn't get the loan without PPI but the impression was it would help. The policy was front end loaded and covered five years of a twelve year loan. Additionally the loan was in joint names but PPI was only offered to me.

I believe that GE was not covered by FSA at the time (missed by three months I think) but I do think that I was missold when all the factors are taken into consideration.

Is it worth going for? I phoned GE on Tuesday who registered the claim and said I should get an acknowledgement in five days - still waiting. I am sure all the finance companies are snowed under so will give benefit of doubt.

Anyone got any experience of GE? Does the case sound reasonable? Is the FOS ignoring pre 2005 claims and do I need to put faith in FLA? I just wonder if it's worth using one of the many claims companies instead.

Am new to this so any help or advice gratefully received.

Thanks

h0pusp0pus

lol me again ive just been through the success stories thread what great reading and so many positive results ive read one post about hfc and it got me thinking about my loan with them now i originaly took the loan out in about 2001 for £5000 then in 2003 ish after i needed some more money so i renewed the loan now i think at the time i borrowed another £2000 which took it to £7000 what i was wondering is would this mean that i paid ppi insurance on it twice??? once when i originaly took the loan out and then again when i renewed it??

h0pusp0pus

oh also when they work out the repayment and the interest do they take the interest right up to the current date? or is it only calculated over the 6 years? as i was thinking if you had the lump sum between taking out the loan and the current date you would be earning interest on it