The Lloyds "Disappreciation" thread

jos004

SeaThreePeeO wrote: »

I heard from the solicitors today, I should be receiving my letter of instruction in the next few days. We have decided to go this way as Lloyds is threatening to use what we're awarded to pay the arrears on our loan. Arrears we wouldn't have been in if we were aware that we didn't have to take the PPI out.

Write back to Lloyds - recorded delivery. Tell them that because they added this unfair PPI to your loan - therefore putting you in arrears; they ought to make a payment to you - personally. Did Lloyds pass the loan onto a dca? You may want to claim some money for yourselves; some for the loan.

Caseyface

Joe/Di

Do you have the address for the FOS lloyds?

Thanks xx

di3004

Caseyface wrote: »

Joe/Di

Do you have the address for the FOS lloyds?

Thanks xx

Hi hun

Here is the link to the address thread, as Lloyds have so many, such as for loan, credit cards, you should find the one you require on there, any prbs.
http://forums.moneysavingexpert.com/showthread.html?t=1619943

Address for the FOS here:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR.

Good luck

RisingJoe

So then peeps... how are we all getting along?

my update is that they sorted my loan and now im sat with the FOS waiting for them to sort it.


used my PPI to repay all the outstanding balance (which i had moved to abbey on a 12 month high payment loan.. so little interest..) and am well impressed with Abbey.

very profesional and honest company.

di3004

Hi there RisingJoe.

Glad everything is moving forward for you, good luck.;)

I did add a thread the other day, should have posted in here silly me lol , but found 2 old agreements, Lloyds loans, one in 1997 and the other was abour 1999, but were mis sold, the same as the other reasons, where the FOS seen in our favour on the Credit Card PPI.
As older cases, not sure what our chances would be, but going to give them a go anyway.

Blimey the agreements looked so different then lol.

murphytheblacklabrador

i just found out i was paying papment protection for 4 years....i got a copy of the original application....and sure enough the x on the PPI was not mine....i could clearly see it was different from all my other x's on the application.....some !!!!!! put it in there themself.....it cost me about £5k over the period....

i did not spot it as i have a very busy account, the amount was only £30/£40 pound a month....no way i would go through every small transaction...

in the process of sending/writing the letters now....one went on the 23rd of June 2009....will let you know how i ge ton.

regards
murphy

di3004

murphytheblacklabrador wrote: »

i just found out i was paying papment protection for 4 years....i got a copy of the original application....and sure enough the x on the PPI was not mine....i could clearly see it was different from all my other x's on the application.....some !!!!!! put it in there themself.....it cost me about £5k over the period....

i did not spot it as i have a very busy account, the amount was only £30/£40 pound a month....no way i would go through every small transaction...

in the process of sending/writing the letters now....one went on the 23rd of June 2009....will let you know how i ge ton.

regards
murphy

Good luck with this Murphy.;)

Just also posted on your other thread, not to worry lol, and now see that you have started the process, I had posted the reclaiming link guidelines on your thread as well, in case you need to refer to this sometime.

Fingers crossed for you.

Di

RisingJoe

Glad your on the way murphy.

hope you hear some positive news soon. let us know if you need any help

Caseyface

Hi all

Just an update.

After 4 responses saying they are still investigating it and 17 weeks later, i have sent another letter to Lloyds giving them 14 days but i have also sent my complaints to the FOS.

Now to sit back and wait some more ha!

di3004

Caseyface wrote: »

Hi all

Just an update.

After 4 responses saying they are still investigating it and 17 weeks later, i have sent another letter to Lloyds giving them 14 days but i have also sent my complaints to the FOS.

Now to sit back and wait some more ha!

Blimey they are taking their time.....:eek:, yet this is Lloyds for you, glad you have complained to the FOS as well though :T:D, good luck X