ppi and trust deeds

tvaddict

thaks very much for all you help

di3004

tvaddict wrote: »

hi
i signed a trust deen 6 years ago
so been out now for 3 years
i have sent away a claim for misold ppi to loyds tsb for loans i have beofre trust deed and for one loan that went into the trust deed
would u still be entitled to get my missodl ppi refuded
thanks

Hi there

If you were mis sold the PPI for any reaons then yes your entitled to request to have this refunded.

They have 8 weeks to give you a decision, if they do not resolve or your not satisfied with the outcome you can then write back with further information if you want to, or take your complaint to the Financial ombudsman service (FOS).
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Good luck please let us know how you get on.

tvaddict

thanks will do

di3004

tvaddict wrote: »

thanks will do
even if one loan was written of with trust deed?
thanks

I really don't think it makes any difference, if I'm wrong hopefully someone will come along to correct me.;)

tvaddict

ok thanks alot
regards

di3004

tvaddict wrote: »

ok thanks alot
regards

Your very welcome.;)

Andrew_Thomas

No you are right the fact that it is written in trust has no bearing on the decision or whether the policy was mis-sold or not.

tvaddict

thanks so much so i should expect refund on ppi then
thats great how far back can this go 10 years? or maybe more
thanks

di3004

tvaddict wrote: »

thanks so much so i should expect refund on ppi then
thats great how far back can this go 10 years? or maybe more
thanks

Hi there

You should go back bu 6 years with no problems, but you can still even be successful from earlier PPI policies especially if you have the account number details and/or paperwork to support your cases.

One of mine is that of 2001.

Many on here have been successful from reclaims going back well into the 90's too.;)

tvaddict

ok here goeas up date
anyone know if this is a standard letter or are they tellling me they are not paying up
first off my first letter was dated 23 march to loyds
had a confirmation letter now this one today

dear xxxx
i wrote to you on 15 april as i have been investigating our complaint about your loan protection insurance

in my last letteri explained that i hoped to provide you with a full response within 4 weeks
i am sorry i am not in a posision to complets a final response
contact fos etc etc etc
then
please be assured i will continue to investigate your complaint i expect to provide you with a full response shortly
i must advise you our desicion will be made on evidence available to us we will not be able to review this desicion ag ain unless you provide me with new evidence we have not already taken into consideration
standard? or them telling me to go away i am getting nothing :mad:

di3004

tvaddict wrote: »

ok here goeas up date
anyone know if this is a standard letter or are they tellling me they are not paying up
first off my first letter was dated 23 march to loyds
had a confirmation letter now this one today

dear xxxx
i wrote to you on 15 april as i have been investigating our complaint about your loan protection insurance

in my last letteri explained that i hoped to provide you with a full response within 4 weeks
i am sorry i am not in a posision to complets a final response
contact fos etc etc etc
then
please be assured i will continue to investigate your complaint i expect to provide you with a full response shortly
i must advise you our desicion will be made on evidence available to us we will not be able to review this desicion ag ain unless you provide me with new evidence we have not already taken into consideration
standard? or them telling me to go away i am getting nothing :mad:

Hi there

And yes this is the usual response, so not to worry.

You can as well nearer the time email to chase them up here:
[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

Fingers crossed for a good outcome.;)