PPI Lloyds - can I try again to reclaim?

pixiechick99

Hi there,
I sent off a letter last December to reclaim PPI payments from a Lloyds loan. They replied with a list of reasons why I had no claim - my main reason was that I have a pre-existing medical condition which I did tell them about, but I don't think I knew it would rule me out of claiming at all:rolleyes:

Anyway, I didn't pursue this after that replty from them but I'm now wondering if I should have? I went to the bank following my marriage break up and only wanted to set up a bank account on my own but ended up being given a loan for £4k, with PPi. Obviously I could have refused the loan, but I was a bit useless then and just thought I should take it. Anyway, the PPI would have been a waste of time for me as my Crohn's disease would have ruled me out of reclaiming.

I've dug out the reply to my initial letter and they say I had 6 months to get back to them - which I didn't -so my question is, am I able to try again or have I missed it? If I could - would I go straight back to them with the 2nd letter?

(Also while I'm here, can I claim with my Lloyds Mastercard? Been paying PPI on that too for years, but never remmeber agreeing to it? Balance is zero now, but years ago was up to £3k)

Many thanks in advance:D

di3004

millyscarlett wrote: »

Hi there,
I sent off a letter last December to reclaim PPI payments from a Lloyds loan. They replied with a list of reasons why I had no claim - my main reason was that I have a pre-existing medical condition which I did tell them about, but I don't think I knew it would rule me out of claiming at all:rolleyes:

Anyway, I didn't pursue this after that replty from them but I'm now wondering if I should have? I went to the bank following my marriage break up and only wanted to set up a bank account on my own but ended up being given a loan for £4k, with PPi. Obviously I could have refused the loan, but I was a bit useless then and just thought I should take it. Anyway, the PPI would have been a waste of time for me as my Crohn's disease would have ruled me out of reclaiming.

I've dug out the reply to my initial letter and they say I had 6 months to get back to them - which I didn't -so my question is, am I able to try again or have I missed it? If I could - would I go straight back to them with the 2nd letter?

(Also while I'm here, can I claim with my Lloyds Mastercard? Been paying PPI on that too for years, but never remmeber agreeing to it? Balance is zero now, but years ago was up to £3k)

Many thanks in advance:D

I think its worth a try, you could even class it as a brand new reclaim and ask them to treat this as a new complaint.
Maybe due to your personal reasons you did not feel up to going back to them on this at that time.;)

They may get back and consider taking this on again, but if they do not then try by contacting the ombudsman service (FOS), explain to them that you understand that you did have 6 months to go on with this but due to your reasons, you could not cope and could not think straight, if this is a reason behind this then please tell them that.;)

Give it another go hun, good luck and if you require any help, please just ask.

Good luck and please keep us posted, cheers.

pixiechick99

Hi there, thanks for replying;)

I'm sorry, I've been a bit confusing:o It was when I went into the bank 2.5 yrs ago and took out the loan that I had split with my ex. I sent the letter to the bank about 9 months ago asking for the PPI money back - since then I've been perfectly happy and just got put of by their automatic refusal to pay. So I haven't really got an excuse for not pursuing it recently...but just wondered if that made ay difference?

This year my Crohn's has flared up; I'm never ill apart from that condition, so PPI wouldn't be of much use to me - I'm sure that was never emphasised but they say it was clear and have some form I signed to say I knew this?!

Should I just resend the letter I sent 9months ago? It was the 1st standard letter from this site that I added my details to.

Many thanks:D

di3004

millyscarlett wrote: »

Hi there, thanks for replying;)

I'm sorry, I've been a bit confusing:o It was when I went into the bank 2.5 yrs ago and took out the loan that I had split with my ex. I sent the letter to the bank about 9 months ago asking for the PPI money back - since then I've been perfectly happy and just got put of by their automatic refusal to pay. So I haven't really got an excuse for not pursuing it recently...but just wondered if that made ay difference?

This year my Crohn's has flared up; I'm never ill apart from that condition, so PPI wouldn't be of much use to me - I'm sure that was never emphasised but they say it was clear and have some form I signed to say I knew this?!

Should I just resend the letter I sent 9months ago? It was the 1st standard letter from this site that I added my details to.

Many thanks:D

Hi your welcome.

Arh I see.

Well there is no harm in trying, they may state that they have already given their decision on this matter, but give it another go anyway.

Sorry about the Crohns as well, my sister in law has that and I hear its horrible, with this you have a case here, as you would not have been able to make a successful claim on this.
I'm sure you would not have accepted to take out the PPI in the first place, if they explained this policy to you.

I have been successful in reclaiming with a llooyds tsb credit card ppi, as they automatically added the ppi, and as a house person I was not eligible to make a claim either, I have yet the loans to deal with these as well.
Although it was the FOS that resolved and not lloyds themselves.

So give it a go.;)
If you feel you have covered everything in the first letter you originally sent to them, then yes use that one, of if anything you have not included maybe a new one.

Fingers crossed for you.

Di
X

melorablack

They sent the final response and you had 6 months to follow it up either with them or the FOS. They are unlikely to reconsider and as it is now outside FOS jurisdiction, you will be lucky if you can get them to look at it for you - even then Lloyds can just tell the FOS they don't have to deal with it.

marshallka

melorablack wrote: »

They sent the final response and you had 6 months to follow it up either with them or the FOS. They are unlikely to reconsider and as it is now outside FOS jurisdiction, you will be lucky if you can get them to look at it for you - even then Lloyds can just tell the FOS they don't have to deal with it.

That is how it works then is it melorablack. I thought that in that if the firm has given a final and you have not taken the complaint to FOS in time then even if FOS say to resubmit the FIRM can then say to FOS "sorry, we are not going to communicate, its not within your jurisdiction"... . What circumstances would be allowed then for this as Di was asking this about one of her claims (over time limits) and i said to give it another go?? She posted that with personal reasons she has not had any chance to get on with complaints... can you advise on this one ..

melorablack

marshallka wrote: »

That is how it works then is it melorablack. I thought that in that if the firm has given a final and you have not taken the complaint to FOS in time then even if FOS say to resubmit the FIRM can then say to FOS "sorry, we are not going to communicate, its not within your jurisdiction"... . What circumstances would be allowed then for this as Di was asking this about one of her claims (over time limits) and i said to give it another go?? She posted that with personal reasons she has not had any chance to get on with complaints... can you advise on this one ..

You've got nothing to lose by giving it a go but where I work if a customer went to the FOS outside of the 6 months we tell them we don't have to deal with it as you said. The FOS then either agree or apparently in some exceptional circumstances (which unfortunately I can't elaborate on because this has never happened to one of my cases sorry) the FOS will still take the case on.

If a final response is issued and the customer goes back to the lender directly, after the 6 months we don't generally have to reinvestigate but again it depends on the specifics of the case.

Sorry I can't be more specific but it really depends on the whole history of the case and the individual circumstances so I couldn't say "if this happens then doing "a" will work but "b" won't" ...but I would say there is no harm in trying!

di3004

melorablack wrote: »

You've got nothing to lose by giving it a go but where I work if a customer went to the FOS outside of the 6 months we tell them we don't have to deal with it as you said. The FOS then either agree or apparently in some exceptional circumstances (which unfortunately I can't elaborate on because this has never happened to one of my cases sorry) the FOS will still take the case on.

If a final response is issued and the customer goes back to the lender directly, after the 6 months we don't generally have to reinvestigate but again it depends on the specifics of the case.

Sorry I can't be more specific but it really depends on the whole history of the case and the individual circumstances so I couldn't say "if this happens then doing "a" will work but "b" won't" ...but I would say there is no harm in trying!

Cheers Marshallka and Melorablack.;);)

With mine, it was a case of then going to the broker, the broker dissolved and the FOS could not help and not only that they were not governed due to it being a pre Jan 2005 case.

However, since reading a few posts recently I have noticed that the FOS have advised pursuing through the insurers instead, yet originally I was not actually going for the mis selling even though the PPI was mis sold, so my best action would have been for an unfair rebate instead.

Due to personal matters, within the family, lots of issues, I have not had time to put in these cases to the FOS and with only learning that many are pursuing through the insurers, I just thought this may be another direction I could take.

So not sure if this would be another chance to try again?

Cheers again....:D;)

melorablack

di3004 wrote: »

Cheers Marshallka and Melorablack.;);)

With mine, it was a case of then going to the broker, the broker dissolved and the FOS could not help and not only that they were not governed due to it being a pre Jan 2005 case.

However, since reading a few posts recently I have noticed that the FOS have advised pursuing through the insurers instead, yet originally I was not actually going for the mis selling even though the PPI was mis sold, so my best action would have been for an unfair rebate instead.

Due to personal matters, within the family, lots of issues, I have not had time to put in these cases to the FOS and with only learning that many are pursuing through the insurers, I just thought this may be another direction I could take.

So not sure if this would be another chance to try again?

Cheers again....:D;)

Generally who ever sold the insurance is responsible for the mis sale, although if the broker sold it but is no longer around to take the blame then by all means go straight to the insurer.

You said that originally you were not going to persue the mis sale and that you would go for an unfair rebate instead - if you were not made aware of how the rebate would be calculated if you cancelled the insurance when you bought it then that still counts as a mis sale this may be why the FOS said go to the insurers hope this helps you Di xxx

di3004

melorablack wrote: »

Generally who ever sold the insurance is responsible for the mis sale, although if the broker sold it but is no longer around to take the blame then by all means go straight to the insurer.

You said that originally you were not going to persue the mis sale and that you would go for an unfair rebate instead - if you were not made aware of how the rebate would be calculated if you cancelled the insurance when you bought it then that still counts as a mis sale this may be why the FOS said go to the insurers hope this helps you Di xxx

Brilliant thanks Mel, your a star.:T
Had some messing about with this one and just hope now they can deal with this, the problem I do have is knowing which insurer now, because it was them of Hamilton, think they are still active but are Norwich union now, the FOS did originally write to these, but then Hamilton got back and said its the broker and so on, then with lots happening within the family, also medical reasons and lots more, I did not have it in me to continue with this. (and with the broker being dissolved - cannot take it to the FSCS either as its pre 2005).

But now reading this seems to be the case that we should now pursue through the insurer since reading on here, gonna give it a shot, will do this by making a fresh start with the insurer myself and take it from there.
wish me luck, oh and had your message.....

Congratulations.
:beer::T:beer:

thanks for this Mel.:A

di3004

Forgot to say Mel

This loan was for over 25 years, with Endeavour personal finance ltd, the broker was Click Finance, apparently there are loads of Click companies, but he dissolved this one and continued with the other companies.

The loan was take out July 2004 and I settled this loan the year after Nov 2005, taken out a further loan with someone else to pay this off.

It was regulated as being £21K, without the PPI, to pay this off it was approx £23K plus, will have to find the paperwork on this again.;)