what should we do now?

judy_1

sorry guys i must be being icribly think i can not find the template lfetters on the link above, my stroke however has effect the workings of my brain sorry to bee a complete and utter nuisence

di3004

judy_1 wrote: »

sorry guys i must be being icribly think i can not find the template lfetters on the link above, my stroke however has effect the workings of my brain sorry to bee a complete and utter nuisence

Sorry about that hunni, , try this link here, this is stage one letter:
http://images2.moneysavingexpert.com/attachment/ppistep1.rtf
Click on that and press on open if it does not open straight away.;)

Any problems let us know.
If another letter is required, let us know and we shall post this as this link here also.;)
Obviously this will be the only letter, good luck hun, hope you get a good outcome out of this.

Di
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judy_1

thanks for all the help guys i have now found the template letter which i am going to send to lloyds

di3004

judy_1 wrote: »

thanks for all the help guys i have now found the template letter which i am going to send to lloyds

Good luck Judy, I wish you luck first time round.;)

I know everyone's experience can vary to one to another, but if you receive the standard fob off response that you signed up for this so must have known, blah blah blah, do not worry, this is normal for them lol.

Keep us posted so we can help you through this every step of the way.
Fingers crossed for you.:A

Di
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judy_1

post has just arrived in it is a letter from lloyds to say that they are going to give me an overdraft temporially so that i can make the repayments fo my husbands loan have rung lloyds about thisand told them that i am only geting 77 per week sick pay but they were extremely un simpathetic and told thatt they are allowed to stop the payments from my account even through i have told them that i am not able to afford this what should i do next this seems to be getting worse

di3004

judy_1 wrote: »

post has just arrived in it is a letter from lloyds to say that they are going to give me an overdraft temporially so that i can make the repayments fo my husbands loan have rung lloyds about thisand told them that i am only geting 77 per week sick pay but they were extremely un simpathetic and told thatt they are allowed to stop the payments from my account even through i have told them that i am not able to afford this what should i do next this seems to be getting worse

Oh blimey, so sorry to hear this Judy, unfortunately it may be another case of complaining here, if this is not going to help you, and you did not request for this.
The CAB should help you directly with these cases by getting in touch with the bank themselves, but other than that, you could write to them (the bank), and tell them your not happy with this situation and if they do not resolve this matter, you will have to take matters further.

This is another situation the financial ombudsman can look at but it may take some time, unless you request for fast tracking on financial hardship, where they may look into this case quicker for you.

But right now if you have a local Citizens advice give them a call and tell them this is urgent and your in need of help with this case.

Good luck hun, hope they sort this out for you, its just not fair they treat you this way.

Di
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judy_1

I ACTUALLY THINK THAT I HAVE NOW GOT SOME WHERE WITH THIS PPI, HAD ALETTER FROM LLOYS INSURANCE YESTERDAY
THIS IS HOW IT GOSE
I HAVE REVIEWED THE UNEMPLOYMENT CLAIM REF CLP100453123 AND CAN CONFIRM THAT YOUR CLAIM WAS DECLINED CORRECTLYAS YOU WERE OVER 65 WHEN THE CLAIM WAS REGISTERED
HOWEVER UNDER OUR POLICY OF TREATING CUSTOMERS FARILY IN CUSTOMER CARE WE FOULF RASSESS YOUR CLAIM
TO ENABLE US TO THIS YOU WOULD NEED TO PROVIDE US WITH THE FOLLOWING INFORMATION
OUR RECORDS INDICATE THAT YOUR SELF EMPLOYED THEREFORE YOU WILL NEED TO PROVIDE EDVIDENCE THAT YOU HAVE CEASED TRADING ( MY HUSBAND IS CTUALLY CSCS
SD YOU ARE OVER 65 YOU WILL NEED TO PROVIDE US WITH EVIDENCE THAT YOU ARE IN RECIPET OF PENSION CREDITS ( ( MY HUBAND GETS STATE PENTION NOT PENSION CREDITS HE IS NOT ABLE TO GET PENTION CREDITS BECAUSE I PERSONALLY EARN TO MUCH MONEY IN MY JOB AND THEY ALWAYS SAY HE DOES NOT QUALIFY BECAUSE OF MY OWN INCOME
IF YOU ARE A SUB CONTRACTOR YOU WILL NEED TO PROVIDE EVIDENCE THAT YOUR WERE IN CONTINUOUIS EMPLOYMENT FOR AT LEAST 6 MONTHS PRIOR TO REGISTING THE CLAIM ( THIS PART IS EASY MY HUSBAND TAX IS ALL DEALT WITH BY AN ACCOUNTANT BUT HE WAS MADE REDUNTNDT IN JANUARY JUST AS I HAD MY STROKE) THEN IT GOSE ON TO OTION 1
I HAVE TAKEN THE LIBERTY OF ENCLOSING ANOTHER SET OF CLAIM FORMS PLEASE DIRGARD THE JOB CENTRE SECTIONN HOWEVER AS A GESTURE OF GOOD WILL ON THIS OCCASION I CAN OFFER THE FOLLOWING OPTIONS
OPTION 1
AS HIGHLIGHTED ABOVE IF YOU ABLE TO COMPLY WITH THE STATED CRITERIA WE CAN REASSES THE CLAIM WITH IN CUSTOMER CARE AND FUTURE CLAIMS MUS FALL WIH THE TERMS AND CONDIOTNS OF THE POLICY
OPTION 2
WE CAN OFFER A FULL REFUND OF £8967.16 PLUS INTEREST YOU HAVE PAOS ON THIS SUM AS PROPOSED YOU WILL BE LEFT WITH A SMALLER DEPT YOU WILL HAVE SMALLER SUM TO PAY IN INTEREST WHILE YOU ARE STILL PAYING OFF YOUR LOAN
BY FREUNDING THIS AMOUNT TO YOUR LAON WE WILL BE PUTTING YOU BACK IN THE POSITON AS AS POSSIBLE THAT YOU WOULD HAVE BEEN IN HAD YOU NOT PURCHASE LOAN PROTECCTION WITH UYOUR LOAN IF YOU WISH TO ACCEPT THIS OFFER YOU MONTHLY REPAYMENTS WILL REDUCE TO £424.41 AND YOUR MONTHLY DIRECT DEBIT WILL BE AMENDED TO RFLECT THE NEW MONTLY REPAYMENTS HOWEVER THIS PROCESS CAN TAKE BETWEN 7 -10 DAYS
AS PREVIOUSLY MENTIONED YOU HAVE MADE ME AWARE THAT YOU ARE NOT ABLE T OBTAIN LIFE COVER FROM OTHER PROVIDERS DUW TO YOUR HELATH CONDIONS. PLEASE BE AWARE THAT SHOLD YOU CHOOSE TO ACCEPT OUR OFFER OF REFUND YOU WILL LOSE THIS BENIFIT
HOWEVER YOU CAN ONLY CHOOSE 1 OF THE ABOVE OPTION IN FULL AN DFINAL SETTLEMENT OF YOUR COMPLAINT.
JUST a final thought on this i wonder when lloyds desingned there latest tv comercial realised that all the carchters in the comercial have pinoccio noses
THIS ALL CAME FEOM A TELEPHONE CONVESTATION THAT I HAD WITH THE CUSTOMER COMPLAINTS TEAM IN CARDIFF ON TUESDAY AFTERNOON WHEN I WAS TOLD THAT THEY WOULD NEED TO GO AND LISTEN TO THE TAPE RECORDING OF THE CONVESTIAON MY HUSBAND HAD WITH THE SALE PERSON WHEN HE TOOK OUT THE LOAN, I BLEIEVE IT HIGHLIGHTED TO THEM THAT SHE DID NOT ASK HIM IF HE WANTED TH E LAON PROTECTIONAT ALL AND JUST ADDED IT TO THE LOAN ANY WAY

maxdp

Hi Judy1
It certainly does sound very positive. Just send them the information you have e.g. pension etc. If you are in any doubt about things pop along to your local CAB who may be able to help you as well. Really pleased it is getting sorted out it must be a huge weight of your mind.

judy_1

yes it is just now need to sort out my insurance that they manage to screw up for when i had my stroke but thats a whole different ball game i was under the imprsssion that i had critall illness cover for £68,000 to pay my mortage but the lloyds finacial advisor actually set up a decreaasing policy over 7 years and it is now worth nothing the first i new of it being decreasing was when i queried the pay out on the policy of 4604.00 which i must say was a shock, can not get lloyds to tell me how my have arrived at this figure they just say tha they jhave decresed it down by 12% per annum then they told me it was 12% per month buy hey ho i will keep on going i have found out since taking out this policy that the lloyds rep is now in prison for fraud.

maxdp

judy_1 wrote: »

yes it is just now need to sort out my insurance that they manage to screw up for when i had my stroke but thats a whole different ball game i was under the imprsssion that i had critall illness cover for £68,000 to pay my mortage but the lloyds finacial advisor actually set up a decreaasing policy over 7 years and it is now worth nothing the first i new of it being decreasing was when i queried the pay out on the policy of 4604.00 which i must say was a shock, can not get lloyds to tell me how my have arrived at this figure they just say tha they jhave decresed it down by 12% per annum then they told me it was 12% per month buy hey ho i will keep on going i have found out since taking out this policy that the lloyds rep is now in prison for fraud.

OMG it keeps getting worse here. I really hope this gets sorted for you. Have you tried posting the bit about the mortgage decreasing policy on the Mortgage thread. There may be people over there who may be more au fait with this type of thing.