Could this be worth chasing **more good news!**

kev1111

Still no update regarding the amount I shall be receiving, I should hear by end of next week.

Lloyds now have all there information they need and I shall probably have the usual fob off letter, hopefully not

kev1111

Well out of the 6 claims I have submitted I have won 4 of them.

Gets to the LLoyds stage and both have been rejected using the standard fob off repsonse.

Think is on the PPI form you are supposed to tick and sign to ensure you fully understand what you are taking out. I have only signed it and not ticked it.

So can I use that as back up when reply basically saying they can bog off or am going to the FOS/

Help

di3004

kev1111 wrote: »

Well out of the 6 claims I have submitted I have won 4 of them.

Gets to the LLoyds stage and both have been rejected using the standard fob off repsonse.

Think is on the PPI form you are supposed to tick and sign to ensure you fully understand what you are taking out. I have only signed it and not ticked it.

So can I use that as back up when reply basically saying they can bog off or am going to the FOS/

Help

Hi Kev
Got your message, cheers.;)

Lloyds TSB, the usual standard response then?

You may have read the media on this site that Lloyds are the highest ones who reject complaints out of most banks.

I take it that was not the final response and they have given you the opportunity to write back with further information, did they also mention the FOS at this stage as well?

I would write back, and thank them for their letter dated XX/XX/XXXX, and tell them your not happy with the decision, as you strongly believe this was mis sold, going by your reasons given on your complaint letter dated to them XX/XX/XXXX.
Ask them to reconsider.

Tell them you may have signed the agreement, but certain you did not sign up for the PPI (payment protection insurance), and believe this was added without your authorisation.
Tell them if they made you aware of this on signing, you would not have accepted the policy.

Give them your own timescale, say about 14 days, and tell them if you hear nothing by then, you will take your complaint with copies of your evidence to the Financial ombudsman service (FOS) for them to investigate.

Hope this helps Kev, basically as you know that was a standard response you received from them, keep at them and if they do not end up upholding in your favour, I'm sure the FOS will.;)

kev1111

Cheers DI, I have not read the letter yet I was just told this over the phone. They lady did say it was a long letter.

Will update tonight if I have received the letter

di3004

kev1111 wrote: »

Cheers DI, I have not read the letter yet I was just told this over the phone. They lady did say it was a long letter.

Will update tonight if I have received the letter

Not a problem Kev, I shall check up on your thread later on then.;)

kev1111

I have won 5 out of the 6 claims i put in, except one.

I sent a letter to Lloyds about my credit card PPI, to which they have rejected, sent another letter and they rejected that.

What now

Am sure I wasnt told its was optional and that it would help my credit application if if did.

di3004

kev1111 wrote: »

I have won 5 out of the 6 claims i put in, except one.

I sent a letter to Lloyds about my credit card PPI, to which they have rejected, sent another letter and they rejected that.

What now

Am sure I wasnt told its was optional and that it would help my credit application if if did.

Move on to the FOS Kev, the FOS are are on to these now, so get your complaint form and any copies of correspondence to enclose with the form, and get it off (recorded delivery).

You can download and print from the website or ring them to arrange they send you one through the post, good luck and I think you will come out a winner in the end with these.;)
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

kev1111

EVEN though they say it was sold correctly?

di3004

kev1111 wrote: »

EVEN though they say it was sold correctly?

Kev this is the norm for them, they told me the same as well, but I was successful in the end with the FOS, the FOS are on to these big time at the moment, give me a second and I will post the email my hubby received today from the FOS.;)


Editing: on next page Kev.

di3004

As promised in my post just posted above, here is the response my hubby received, he was also told the same thing as you, in fact they more or less tell everyone this as a standard reponse, in hope that we will not take it further, at the end of the day you are not happy and believe it was mis sold for the reasons you gave them, despite what they say, stand strong on this Kev.;)

Dear

Thank you for your e-mail and apologies for the delay in replying, due to me trying to get to the bottom of what is happening with your case.

I can, however, advise you that due to the large number of similar complaints this service has received concerning the sale of credit card payment protection policies by Lloyds TSB we have been in dialogue with Lloyds TSB at a high managerial level with a view to having the business settle these claims without the need to issue individual decisions on each and every case, a time and labour intensive exercise for the ombudsman involved given the number of cases currently with this service. I understand that as part of this process we are issuing what is known as a 'lead' decision to Lloyds TSB; this should hopefully be issued today.

In essence this is a decision issued by the lead ombudsman covering all the concerns this service has regarding the business' credit card sales and, if it is accepted by Lloyds TSB, we should then be able to provide the business with details of all the complaints we have received, including your own, for which we require settlement to be made. If, however, Lloyds TSB rejects the lead decision it may then be necessary to issue all of the individual decisions, though this is something we would wish to avoid for the reasons I have just stated. Whilst, therefore, the ombudsman has not issued a decision solely addressing your complaint, you are represented by this lead decision,

As with all decisions issued by this service, Lloyds TSB has a month to respond to the lead decision. I, therefore, anticipate being able to provide you with a further update on your case by this time next month.

Once again, I would apologise for the delay in replying to your e-mail and to the overall delays you are experiencing in the resolution of your complaint. I trust, however, that this e-mail goes someway to explaining the reasons for the delays and reassures you that your complaint, along with all such similar complaints against Lloyds TSB, is being progressed at the highest levels of this service.

Yours sincerely,

FOS
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