PPI Reclaiming Discussion part 4

mumofjanda

di3004 wrote: »

Hiya

Its probably just info on your account from the data dept, so they can then continue to investigate, probably dates, the amounts and calcs and so on, good luck.;)

Thanks Di,

Gives me hope! x

cappo

mumofjanda wrote: »

Thanks Di,

Gives me hope! x

our Di is like calm waters on a very very stormy sea and so of course is amersall (just so you don't feel left out lol):):T what would we all do without you girls?

ImmortalQueen

di3004 wrote: »

I would definately question it, and would do so by emailing the Customer team at lloyds and copying it to the CEO.;)

You know me only too well Cappo that I would do this lol.
Anyway details of the emails for ImmortalQueen here.

[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]
[EMAIL="antonio.osorio@lloydsbanking.com"]antonio.osorio@lloydsbanking.com[/EMAIL]

Thanks Cappo (for the advice) & di3004 (for the email addresses). In answer to your question, my friend has a letter from the bank stating the refund was a gesture of goodwill. In a phone conversation with a rep from the bank, it was agreed to keep paying the orignal monthly amounts and the term would reduce. However, this isn't the case :mad:

di3004

ImmortalQueen wrote: »

Thanks Cappo (for the advice) & di3004 (for the email addresses). In answer to your question, my friend has a letter from the bank stating the refund was a gesture of goodwill. In a phone conversation with a rep from the bank, it was agreed to keep paying the orignal monthly amounts and the term would reduce. However, this isn't the case :mad:

I would be requesting for a copy of the telephone call, this may be useful, although this will be again a separate complaint, maybe a Subject access Request (SAR) would be useful in this case, especially if they will not supply any details of the phone call free of charge.

So if a SAR is decided on, there is a letter template below, however for this they have 40 calendar days to comply and send all the details they still hold on all accounts under Lloyds TSB, so if she banked with them as well, the bank account number should be enclosed on the SAR and should be sufficient for all the info on all accounts, you therefore have to enclose £10 cheque or postal order for this request.
Template letter here.
Tweak if required.
https://forums.moneysavingexpert.com/discussion/1475553

When I say separate complaint, this is on how the ppi complaint was actually handled, so basically the unfairness of not reducing the loan monthly repayments terms, where this is just like paying for the ppi all over again.

cappo

ImmortalQueen wrote: »

Thanks Cappo (for the advice) & di3004 (for the email addresses). In answer to your question, my friend has a letter from the bank stating the refund was a gesture of goodwill. In a phone conversation with a rep from the bank, it was agreed to keep paying the orignal monthly amounts and the term would reduce. However, this isn't the case :mad:

Good luck:):wink:

cappo

I feel guys by the time this ppi reclaiming is finished we'll have to go into something else,the bottom line is the banks will have to pay out in the end,stay strong,keep at em and more importantly keep going,no matter how the banks wheedle and connive to try to get you to give up don't as this is what the banks want, there are a few people who are going to have there claims ultimately rejected but there are going to be many many more who will have there cases upheld.

di3004

cappo wrote: »

I feel guys by the time this ppi reclaiming is finished we'll have to go into something else,the bottom line is the banks will have to pay out in the end,stay strong,keep at em and more importantly keep going,no matter how the banks wheedle and connive to try to get you to give up don't as this is what the banks want, there are a few people who are going to have there claims ultimately rejected but there are going to be many many more who will have there cases upheld.

I totally agree Cappo.
As you know one of mine have been ongoing for almost 3 years, but it is complexed which is why it is taking that long, but still I'm going to keep at them, and if it also fails with the ombudsman where the chances are possible, I will still be glad to have tried foughting the companies who were involved that also game me the runaround, gave them the runaround as well now, it will teach them!
Well the way us customers have been treated, this should now be a lesson learnt by them all..............here's hoping hey?

cappo

di3004 wrote: »

I totally agree Cappo.
As you know one of mine have been ongoing for almost 3 years, but it is complexed which is why it is taking that long, but still I'm going to keep at them, and if it also fails with the ombudsman where the chances are possible, I will still be glad to have tried foughting the companies who were involved that also game me the runaround, gave them the runaround as well now, it will teach them!
Well the way us customers have been treated, this should now be a lesson learnt by them all..............here's hoping hey?

definitely Di as they say knowledge is power there are many people who don't find these forums but also there are plenty who do and the info is good it's free and there for everyone to avail themselves of, as my old friend beamer says don't let the banks win we can fight as we know how,we're the lucky ones

lauzflow

thx anyways .. just gonna wait and see what they say x

cappo

what do you all think of this?



http://uk.finance.yahoo.com/news/Bank-manager-unlawfully-yahoofinanceuk-15110543.html