Lloyds TSB Credit Card PPI

di3004

waltermcculloch wrote: »

No probs Di, that's me posted the message for Turbo

Good one hun, he should be here at some point, and I will keep an eye on your post as well now and then in case it needs bumping up for him, I understand you want to know as soon as possible.;) XX

waltermcculloch

Hi Di,

Turbo has replied to me this morning advising that I should keep the Bank Charges Claim separate from the PPI Claim--totally different arguments and different departments at the bank.

But when I think about it, the payments WERE made late, so they are legitimate charges. I'm not that bothered about them I suppose, so looks like I should be able to make a claim for £350.47.

Hope you don't mind me asking, but what should I do next, is there a specific letter to be sent etc.

I just want to make sure I'm sending the right letters so as not to send wrong ones then have to resbmit the correct ones.... if you see what I mean lol - so as to try and speed the process up.

Thanks

di3004

waltermcculloch wrote: »

Hi Di,

Turbo has replied to me this morning advising that I should keep the Bank Charges Claim separate from the PPI Claim--totally different arguments and different departments at the bank.

But when I think about it, the payments WERE made late, so they are legitimate charges. I'm not that bothered about them I suppose, so looks like I should be able to make a claim for £350.47.

Hope you don't mind me asking, but what should I do next, is there a specific letter to be sent etc.

I just want to make sure I'm sending the right letters so as not to send wrong ones then have to resbmit the correct ones.... if you see what I mean lol - so as to try and speed the process up.

Thanks

Hi hun

Oops I thought it was late payments on the loan, sorry, but yes keep them separate is the best then. Sorry for my confusion here hun.....:o .

For the charges side of things there is a reclaim charges thread above and to reclaim on the PPI you do not actually need the amount to be stated on the letter at this stage, as they must aim to put you back in the position as if you did not have ppi from the start, where they should refund you if successful what you paid plus interest etc.

However, here is a thread here to help you with your letter of PPI reclaiming:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

There are reclaim letters in stages, so for instance if you were not successful the first time, you should get the opportunity to write back to them with more information with help from the reclaim letters.

They have 8 weeks to respond and keep at them until you receive the "final response", this letter they should let you know how this can be looked at further, for example the Financial ombudsman service (FOS) etc.

It is handy to have the figures so you can check these upon offers.;)

There is help on the above thread in regards of reclaiming charges, I'm sure you will receive some help and good advice on that particular thread for this matter.

Post all letters by recorded delivery, good luck and post up for more help anytime.;)

waltermcculloch

Hi Di,

Have had a look at stuff you mentioned and have posted a link to a letter fgor reclaiming charges in it, just checking it's the right letter to be used for reclaiming the late charges.

Which letter should I use for reclaiming the PPI though, as both you and Turbo had mentioned that these would be two separate claims.

Thanks

di3004

waltermcculloch wrote: »

Hi Di,

Have had a look at stuff you mentioned and have posted a link to a letter fgor reclaiming charges in it, just checking it's the right letter to be used for reclaiming the late charges.

Which letter should I use for reclaiming the PPI though, as both you and Turbo had mentioned that these would be two separate claims.

Thanks

Hi hun

Sorry I forgot to post the link to you in regards of reclaiming ppi, here is a link here hun, if you check through this link it gives useful info and there are template letters in stages, so letter 1 and letter 2 if not successful first time round:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You should find the ppi templates on there, you do not have to add an amount at this time.;)

waltermcculloch

Sorry... me again lol.

I'm just not sure what reason to put, as I seem to have agreed to taking the PPI over the phone back in July 2001, but I very much doubt that's what I was phoning them up for in the first place.

Do I just send the letter to the same address as the last one?

Thanks

di3004

waltermcculloch wrote: »

Sorry... me again lol.

I'm just not sure what reason to put, as I seem to have agreed to taking the PPI over the phone back in July 2001, but I very much doubt that's what I was phoning them up for in the first place.

Do I just send the letter to the same address as the last one?

Thanks

Not a problem....:D .

If any of those reasons on the link added above apply to you then add them in, maybe being young and vulnerable did not help, myself I used to think it was all part of the loan and signed up anyway, its only recent years that I have learnt of this being optional on the ppi.

I will get back with an address in a min, this now if loan ppi isn't it?

waltermcculloch

Both the Late Charges and PPI are for credit card.

di3004

As posted in my above post I have a few addresses,


Lloyds TSB Registered Address:
Lloyds TSB plc
25 Gresham Street
London
EC2V 7HN

Copy Statement Unit
Lloyds TSB plc
Swallow House
10 Swallow Street
Birmingham
B1 2AL

Customer Care
Lloyds TSB plc
125 Colmore Row
Birmingham
B3 3SF

Lloyds PPI
Customer Care
Lloyds TSB Insurance
Tredegar Park
Newport
South Wales
NP10 8SB
Tel 0845 3005599
Fax 01633 468835

Lloyds Tsb Credit Card
Account Services
Sussex House,
1-9 Gloucester Place
Brighton
BN1 4BE

Obviously for credit card ppi complaints/charges etc its the last address and I imagine for loan ppi insurance the address above in South Wales, fo statements etc (SAR), its the copy statement unit.;)

waltermcculloch

Since the late charges and the PPI both are on the same credit card, should I do two letters but send them both to the same address?