PPI Reclaiming Discussion part 4

mking

Hello All,

I'm about to submit a complaint to the Ombudsman against Lloyds TSB and London and Edinburgh. My Original Post is copied below with some editing.

Basically we have very limited information, despite best efforts:

• no T&Cs and no bank statements to show when payments started and how long they ran.
• No info back from Lloyds TSB (bank account with the overdraft) or London & Edinburgh (overdraft insurance protection) in response to Info request and subsequent SAR.
• Helpful suggestions from the forum to contact the solicitor who acted for us on the estate didn't prove fruitful either, as they have not kept any documentation as it's nearly 11 years.

However we do know that we had the policy, we do know the policy number, we do have a copy of a letter that our lawyer swapped with L&E at the time when we pursued the claim. This letter from L&E states that the claim isn't valid as it's a prior medical condition.

Therefore we plan to complain to the Ombudsman stating that this policy should never have been sold as he was first diagnosed with cancer 5+ years before that policy was taken out. Also he was a sole trader and so I question the value of any unemployment component to that insurance.

My goal is to force them to find the policy. Although I know they don't need to keep the documentation, I believe they will have it on optical disc or similar and so would like to force them to retrieve it to prove that the claims above are untrue.

Do you think this is the right approach? Anything else you think I should do.

As always, grateful for help.

Thanks

Michael

mking wrote: »

Hello All,
...

My Dad was a sole trader with a small business employing 5 people. Sadly he died in 2000 at an early age of 58 from prostate cancer and the last few years were tough. In the last stages of the business there was a £20k overdraft that had built up over several years.
...

At the time we tried to make a claim on a policy he had but we got bounced on a "prior medical condition". We pushed back, but they held firm. At the time we had too much on our plate and just thought "well he was diagnosed in 1992 even though the diagnosis was curative then....."etc So we left it. Belatedly I've caught on to the PPI fiasco and so I've been trying to pursue this for my Mum.

My Dad's business account was with Lloyds TSB and he'd been with them for 20 years+. This protection insurance was with Norwich Union/London & Edinburgh was for the overdraft.

We've submitted the template requests to Lloyds TSB and L&E (now Aviva) to request the T&Cs. They've basically said they don't have any records as it's too long ago.
We've followed that with a SAR. Same response - no info, too long ago.We have account numbers and with L&E we have the letters of correspondence when they bounced our original claim as they said the doctor said he knew about his condition earlier. These letters from L&E have the account number and we have sent them a copy, but still they say they have no information as it was too long ago.

My Mum did a clear out (cathartic) a couple of years ago as well unfortunately, so we have limited info. I can't find the T&Cs. I believe the monthly payment for the insurance was £27 per month, but I'm still trying to find when this stopped and started.

....

beamerguy

mking wrote: »

Hello All,

I'm about to submit a complaint to the Ombudsman against Lloyds TSB and London and Edinburgh. My Original Post is copied below with some editing.

Basically we have very limited information, despite best efforts:

• no T&Cs and no bank statements to show when payments started and how long they ran.
• No info back from Lloyds TSB (bank account with the overdraft) or London & Edinburgh (overdraft insurance protection) in response to Info request and subsequent SAR.
• Helpful suggestions from the forum to contact the solicitor who acted for us on the estate didn't prove fruitful either, as they have not kept any documentation as it's nearly 11 years.

However we do know that we had the policy, we do know the policy number, we do have a copy of a letter that our lawyer swapped with L&E at the time when we pursued the claim. This letter from L&E states that the claim isn't valid as it's a prior medical condition.

Therefore we plan to complain to the Ombudsman stating that this policy should never have been sold as he was first diagnosed with cancer 5+ years before that policy was taken out. Also he was a sole trader and so I question the value of any unemployment component to that insurance.

My goal is to force them to find the policy. Although I know they don't need to keep the documentation, I believe they will have it on optical disc or similar and so would like to force them to retrieve it to prove that the claims above are untrue.

Do you think this is the right approach? Anything else you think I should do.

As always, grateful for help.

Thanks

Michael

OK, a sad tale but did the insurance company know that "he was first diagnosed with cancer 5+ years" This is important

awc123

Hello,

I'm new to all of this, and have only just been made aware of the whole PPI scandal. I'm a little confused with the massive amount of information that's out there, and would just like to have a bit of advice, if that's possible?

I have had a number of Egg Loans dating back from February 2003. The following loans were top-up egg loans, (5 in total), all of which I have now discovered have PPI on them. Each loan replaced the previous loan.

What should I be reclaiming PPI for? All 5 loans individually, or should I just claim for the last one?

Should I call the customer services, or use the questionnaire in Martins article? What is the best way to progress this?

Many thanks,
Andrew.

di3004

awc123 wrote: »

Hello,

I'm new to all of this, and have only just been made aware of the whole PPI scandal. I'm a little confused with the massive amount of information that's out there, and would just like to have a bit of advice, if that's possible?

I have had a number of Egg Loans dating back from February 2003. The following loans were top-up egg loans, (5 in total), all of which I have now discovered have PPI on them. Each loan replaced the previous loan.

What should I be reclaiming PPI for? All 5 loans individually, or should I just claim for the last one?

Should I call the customer services, or use the questionnaire in Martins article? What is the best way to progress this?

Many thanks,
Andrew.

Hi Andrew and welcome.

If mis sold on all of them, then make a reclaim on them all, because even if the one loan paid off the other, its possible the ppi would have been included in the balance of the previous loan and so on.

To do this, you complete the reclaim questionnaire as on step 3 below, personally I would complete them all separately, that is up to you though, if the reasons of mis selling are the same, there is no harm in just completing the one form, but remember to enclose all account numbers of the loans that apply.
Complete and send to their complaints of head office, and keep copies for yourself as well.

Good luck and hope the above info is some help to you.;)
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

beamerguy

Lloyds TSB v MBNA V fraud

A few posts ago, you will see that I asked the CEO of Lloyds Antonio Osorio, about the connection to St Andrews in Southern Ireland, owned by Lloyds Banking Group, marketing a fraudulent PPI offered by MBNA and the Virgin Credit Card.

Mr Osorio has failed to respond and despite requesting a copy of the said policy, to date it has not been received leaving me to believe that Lloyds do not want me/you to see the actual policy

This email was sent to Mr Osorio tonight, we will see if there is a response


Dear Mr Osorio,

I have now asked 3 times for a copy of the PPI that St Andrews allowed MBNA to re-sell to their customers.
It is indeed very worrying that you fail to supply me with a copy, attaching to an email is so easy BUT ... You seem to not want to do this.
May I suggest that as CEO of the Lloyds Banking Group, you behave in a proper manner as so far, this appears to be a fraudulent activity created between two banks.

If you do not provide me with a copy of this insurance then I will pose the very same questions to the authorities for investigation. Please do remember the current shareholding of the UK taxpayer in Lloyds TSB

di3004

beamerguy wrote: »

Lloyds TSB v MBNA V fraud

A few posts ago, you will see that I asked the CEO of Lloyds Antonio Osorio, about the connection to St Andrews in Southern Ireland, owned by Lloyds Banking Group, marketing a fraudulent PPI offered by MBNA and the Virgin Credit Card.

Mr Osorio has failed to respond and despite requesting a copy of the said policy, too date it has not been received leaving me to believe that Lloyds do not want me/you to see the actual policy

This email was sent to Mr Osorio tonight, we will see if there is a response


Dear Mr Osorio,

I have now asked 3 times for a copy of the PPI that St Andrews allowed MBNA to re-sell to their customers.
It is indeed very worrying that you fail to supply me with a copy, attaching to an email is so easy BUT ... You seem to not want to do this.
May I suggest that as CEO of the Lloyds Banking Group, you behave in a proper manner as so far, this appears to be a fraudulent activity created between two banks.

If you do not provide me with a copy of this insurance then I will pose the very same questions to the authorities for investigation. Please do remember the current shareholding of the UK taxpayer in Lloyds TSB

Excellent email/letter, surely they should respond to this one good luck x:T:T

beamerguy

di3004 wrote: »

Excellent email/letter, surely they should respond to this one good luck x:T:T

Di, Antonio I believe is not capable of handling this, NO reply simply means "how do they reply?"

It's the tip of an iceberg of incest between bankers. And the iceberg is slowly going into melt down

di3004

beamerguy wrote: »

Di, Antonio I believe is not capable of handling this, NO reply simply means "how do they reply?"

It's the tip of an iceberg of incest between bankers

I know what you mean, and the annoying thing about it, is the fact that it gets passed on to the usual customer care team, (and another reason for them not responding), its just not on!

dilus

beamerguy wrote: »

Lloyds TSB v MBNA V fraud

A few posts ago, you will see that I asked the CEO of Lloyds Antonio Osorio, about the connection to St Andrews in Southern Ireland, owned by Lloyds Banking Group, marketing a fraudulent PPI offered by MBNA and the Virgin Credit Card.

Mr Osorio has failed to respond and despite requesting a copy of the said policy, too date it has not been received leaving me to believe that Lloyds do not want me/you to see the actual policy

This email was sent to Mr Osorio tonight, we will see if there is a response


Dear Mr Osorio,

I have now asked 3 times for a copy of the PPI that St Andrews allowed MBNA to re-sell to their customers.
It is indeed very worrying that you fail to supply me with a copy, attaching to an email is so easy BUT ... You seem to not want to do this.
May I suggest that as CEO of the Lloyds Banking Group, you behave in a proper manner as so far, this appears to be a fraudulent activity created between two banks.

If you do not provide me with a copy of this insurance then I will pose the very same questions to the authorities for investigation. Please do remember the current shareholding of the UK taxpayer in Lloyds TSB

Hi beamerguy,
I realise you are on a quest here to force their hand but if it helps I have an original of the policy that St Andrews allowed Sainsbury's to sell on their behalf. Admittedly it is not from St Andrews in Southern Ireland but from the UK branch and as Sainsbury's were in effect BOS that makes them part of Lloyds so would be the same policy. I could copy and send if you like, dilus

beamerguy

di3004 wrote: »

I know what you mean, and the annoying thing about it, is the fact that it gets passed on to the usual customer care team, (and another reason for them not responding), its just not on!

yup but this one will be passed to the FSA, my MP, George Osborne and the Government Select Committee to investigate. It's in line with the phone hacking scandal