Help and Advise regarding PPI

Vickiwilson23

Hi

I'm after some advise regarding PPI, My dad had his own business and look out a loan with Lloyds TSB and they added PPI to their loan which was never asked for. My dad then become ill and couldn't work my mum reliased they had PPI on the loan and asked if she could claim as my dad could no longer work. They told her that she couldn't claim as they hadn't even the right information. They never asked for any info they just added this to the loan with out them knowing. Can any one advise me please?.

di3004

Vickiwilson23 wrote: »

Hi

I'm after some advise regarding PPI, My dad had his own business and look out a loan with Lloyds TSB and they added PPI to their loan which was never asked for. My dad then become ill and couldn't work my mum reliased they had PPI on the loan and asked if she could claim as my dad could no longer work. They told her that she couldn't claim as they hadn't even the right information. They never asked for any info they just added this to the loan with out them knowing. Can any one advise me please?.

Hi there

Sorry to hear your dad became ill, and that they did not pay out.

I would write to complain and reclaim with all his reasons, below is a guideline link with useful information and template letters, just write your dad's reasons.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Sometimes their first response is just a standard one, and they state that he must have known about the PPI, because he signed for it, blah blah, but then you should be given another opportunity to write back for them to reconsider.

In the final response, they should give details of the Financial ombudsman service (FOS) if your not satisfied with the outcome.
Good luck and post by recorded delivery, and post up for help when required.;)

petermb_2

Vickiwilson23 wrote: »

Hi

I'm after some advise regarding PPI, My dad had his own business and look out a loan with Lloyds TSB and they added PPI to their loan which was never asked for. My dad then become ill and couldn't work my mum reliased they had PPI on the loan and asked if she could claim as my dad could no longer work. They told her that she couldn't claim as they hadn't even the right information. They never asked for any info they just added this to the loan with out them knowing. Can any one advise me please?.

It sounds as though the policy was not fit for the purpose it was sold. Yet another rip off ppi plan.

Vickiwilson23

Thanks for coming back to me, will this letter still be a good letter to send when they never new they even took the ppi until a letter date. I know they paided over £4000 in ppi plus the had massive bank charges to.

RisingJoe

I am Sorry to hear about this, and can only agree with what has already been said.

The Key to winning with Lloyds is to set the points out in the first letter and send copies of everything in with the first letter.

then do the same (including a copy of the first letter) when you get to the second letter stage.

if you would like any help, or need advice specifically tailored ot Lloyds TSB feel free to PM me (message) or look at the thread (see my signature)

Hope it goes ok.

Vickiwilson23

Thanks or the reply, Even tho they didn't get sold the PPI it was just added will this come under the same letter that the link has been sent for.

di3004

Vickiwilson23 wrote: »

Thanks or the reply, Even tho they didn't get sold the PPI it was just added will this come under the same letter that the link has been sent for.

Hi there

As this was added to the finance without your dad's authorisation then this was obviously still mis sold, its a good case, good luck and please let us know how you get on, and of course post up for any help when required.;)