PPI Reclaiming Discussion part 4

h0pusp0pus

update later from hfc this morning that was sent on the 6th of june only arrived now!!!

further to your recent complaint

at the present time we have been unable to resolve your complaint,as the investigation is yet to be completed, as soon as all the relevent information has been gathered and our investigation has been completed a full response will be issued to you in writing.

may we request your patience for a further 28 days!!!! :eek: by which time we would HOPE to be able to be in a position to bring your complaint to a conclusion

i hope that your complaint can be resolved soon and will contact you again shortly.

mmmm not alot of use then they have already had my complaint for about 5 weeks ok so i know some people have been waiting longer and miine pails in comparason but its frustraiting isnt it :mad:

h0pusp0pus

ok just sat here thinking about it sorry im very tired this morning and not fully away lol another 28 days would be more or less the standard 8 weeks waiting time so scrap what i said above lol

di3004

jcw17 wrote: »

Hi,

Just wondering if anyone thinks it is worth me trying to reclaim the PPI I took out on a loan of £1500 back in Oct 2001 with Lloyds, which I think was sold as a graduate loan. The first repayment was made in November 2001 and the last in January 2005. At the time I took the loan out I had been working for 20 months and I needed the loan to pay off my overdraft which had acrued over 6 years as a student. I was told I had to take out the PPI or get my parents to back the loan which wasn't an option as I didn't want them to know about it! I have all my old bank statements detailing the loan repayments but I'm pretty sure I destroyed the original paperwork when we moved house a couple of years ago.

Any help/ideas very welcome!
Thanks x

Hello there

And yes I would go for it, many of us have been successful on reclaiming ppi going back that far and even older than that again.
Basically if you have your account number of that loan, that is a good start, as this is all you need to make a reclaim, and of course as long as you know you were paying for ppi.

If you go directly on Lloyds TSB, it shows the direct reclaiming procedures which are the same as on here, a reclaim questionnaire complaint.
http://www.lloydstsb.com/payment_protection_insurance_complaints.asp
Remember to keep a copy for yourself as well, and allow 8 weeks for a decision.

The address of where to send your reclaim questionnaire is included on the lloyds site.

Good luck.

di3004

h0pusp0pus wrote: »

ok just sat here thinking about it sorry im very tired this morning and not fully away lol another 28 days would be more or less the standard 8 weeks waiting time so scrap what i said above lol

Hi there

Glad you received some feedback.

Yes that's about right lol.:D;) but no worries, just keep an eye on these 28 days now, hopefully you will hear something before that, fingers crossed.

amersall

woody123456 wrote: »

Hello, my original letter in 2008 was to cancel the ppi not a claim against mis-selling. They did not offer me to take it to the fso but were happy to cancel it even though the payments would only decrease slightly, they offered 1259.00 back into the loan however it was a full premium upfront of 4224.00 with interest, added to my loan for the full twenty years.
I have never challenged them about miss-selling.

thanks

That is good, the cancel and mis sell are two different claims, your claim for mis sell should be dealt with when you put it in.

amersall

h0pusp0pus wrote: »

update later from hfc this morning that was sent on the 6th of june only arrived now!!!

further to your recent complaint

at the present time we have been unable to resolve your complaint,as the investigation is yet to be completed, as soon as all the relevent information has been gathered and our investigation has been completed a full response will be issued to you in writing.

may we request your patience for a further 28 days!!!! :eek: by which time we would HOPE to be able to be in a position to bring your complaint to a conclusion

i hope that your complaint can be resolved soon and will contact you again shortly.

mmmm not alot of use then they have already had my complaint for about 5 weeks ok so i know some people have been waiting longer and miine pails in comparason
but its frustraiting isnt it :mad:

:D naughty naughty

Patience is a virtue :D they have 8 weeks to respond to your claim, you have only given them 5 ;);)

I know it is frustrating but you have to step back and let them get on with it!!!!! the FOS have now given them extra time to deal with claims so it is just a case of "hanging on in there

You will get so stressed out you will burst a blood vessel :(
And how can you spend your "win" when you are in hospital? :rotfl:

amersall

h0pusp0pus wrote: »

ok just sat here thinking about it sorry im very tired this morning and not fully away lol another 28 days would be more or less the standard 8 weeks waiting time so scrap what i said above lol

:rotfl::rotfl::rotfl:
What r u like?:D:D;)

amersall

woody123456 wrote: »

as so many people do, I could just cry the more and more I think about the deceit and I,m scared stiff they will just tell me to !!!!!! off.
Sounds corny but im dyslexic and have real trouble wording things or being able to respond correctly I,m bothered i will !!!! something up. This website is so helpful and friendly...Thanks

You will be fine, you need to sit back and wait for the claim to take its course.
Front loaded ppi is a mis sell, you have a good chance, try not to get too stressed
it wont help at all, and nothing is worth getting stressed about :D:D:D

If you need any help at all then just ask, we are here for you every step of the way xxx.

cappo

di3004 wrote: »

Hello there

And yes I would go for it, many of us have been successful on reclaiming ppi going back that far and even older than that again.
Basically if you have your account number of that loan, that is a good start, as this is all you need to make a reclaim, and of course as long as you know you were paying for ppi.

If you go directly on Lloyds TSB, it shows the direct reclaiming procedures which are the same as on here, a reclaim questionnaire complaint.
http://www.lloydstsb.com/payment_protection_insurance_complaints.asp
Remember to keep a copy for yourself as well, and allow 8 weeks for a decision.

The address of where to send your reclaim questionnaire is included on the lloyds site.

Good luck.

I've now reclaimed misold ppi on a tsb loan from 16 years ago and i had no paperwork whatsoever,you know you had ppi keep pushing the bank,they'll find your details.

cappo

woody123456 wrote: »

as so many people do, I could just cry the more and more I think about the deceit and I,m scared stiff they will just tell me to !!!!!! off.
Sounds corny but im dyslexic and have real trouble wording things or being able to respond correctly I,m bothered i will !!!! something up. This website is so helpful and friendly...Thanks

Don't worry woody,we're all here to help,if you want anything just ask we're all in the same boat here, no ones going to think you're asking silly questions or anything,we'll all help you as much as we can, now take it from the top,deep breath, calm down,you'll only be claiming for what's yours,if you have a good case for being misold you'll be ok,the cases are all being assessed on the new rules now,everything will be ok.