MSE News: Major delays in Ombudsman PPI rulings

robbedofmymoney

tiggrae wrote: »

without a doubt - it's those that go for money up front, I've one client who was told she could potentially get £95k back on 8 mortgages but they wanted £5k up front. When I looked at them, they were all 'buy to let' where you don't have PPI ! As I said to her, 'good job you didn't hand over the £5k' It's infuriating

says it all with some of these cowboys!!!

thank moneysaving expert for the honest/decent:beer: ones

chrismac1

I have been on with my wife's case now since June 2008. It was a clear cut case - my wife had no job at the time she took out the PPI and some of the other benefits of PPI were already covered by policies I had in force. Of course no attempt was made by Lloyds TSB to ask questions about our existing level of cover at the time.

I got a ruling from the FOS in our favour in April 2010, but so far Lloyds have not replied to this ruling. I have dealt with 30 different people from Lloyds TSB in this matter, their complaints process is a complete sham and in effect it represents 2 fingers up to the FSA and Banking Code et al.

Other aspects of my wife's treatment at the hands of this bunch of crooks were poor. In particular in September 2008 they entered in to a contract "which we intend to be binding on us" to stop charging interest. This they then breeched in January 2009. So we are in the final stages of legal action despite the best efforts of their lawyers to stop the case coming to Court. In the Particulars of Claim I filed at the Court I cited over 100 items of correspondence covering all 30 of the staff I have dealt with, so that should keep their lawyers busy.

I've also spent £10 doing a Data Protection Act request on everything on my wife's file over the past 6 years. This has resulted in over 200 pages appearing from them, including some useful evidence which directly contradicts some of the stuff in the 100 items of correspondence.

Having also cited the DPA search in my Particulars of Claim, I am at liberty to call on any item in these documents - well over 300 pages in all - so at the very least I am going to make myself a very unwelcome plaintiff.

mrs-stressed

chrismac1 wrote: »

I have been on with my wife's case now since June 2008. It was a clear cut case - my wife had no job at the time she took out the PPI and some of the other benefits of PPI were already covered by policies I had in force. Of course no attempt was made by Lloyds TSB to ask questions about our existing level of cover at the time.

I got a ruling from the FOS in our favour in April 2010, but so far Lloyds have not replied to this ruling. I have dealt with 30 different people from Lloyds TSB in this matter, their complaints process is a complete sham and in effect it represents 2 fingers up to the FSA and Banking Code et al.

Other aspects of my wife's treatment at the hands of this bunch of crooks were poor. In particular in September 2008 they entered in to a contract "which we intend to be binding on us" to stop charging interest. This they then breeched in January 2009. So we are in the final stages of legal action despite the best efforts of their lawyers to stop the case coming to Court. In the Particulars of Claim I filed at the Court I cited over 100 items of correspondence covering all 30 of the staff I have dealt with, so that should keep their lawyers busy.

I've also spent £10 doing a Data Protection Act request on everything on my wife's file over the past 6 years. This has resulted in over 200 pages appearing from them, including some useful evidence which directly contradicts some of the stuff in the 100 items of correspondence.

Having also cited the DPA search in my Particulars of Claim, I am at liberty to call on any item in these documents - well over 300 pages in all - so at the very least I am going to make myself a very unwelcome plaintiff.

I was so intrigued by your post and I sincerely wish you and your wife a total success with this one. You seem like a dog with a bone and all the best to you. Please keep us posted as we would love to know how you get on. If you would like a second wife I would put my name forward as I would love someone to champion me. I have been going for three years now and so far all I have had a is two fingered gesture from everyone concerned. And I havent done anything wrong! Lloyds have treated me like s***t and no matter what I say or do they flex their bullying muscels and flip me aside like swotting a fly. But I keep coming back....

Mrs s.

NIGELK_3

chrismac1 wrote: »

I have been on with my wife's case now since June 2008. It was a clear cut case - my wife had no job at the time she took out the PPI and some of the other benefits of PPI were already covered by policies I had in force. Of course no attempt was made by Lloyds TSB to ask questions about our existing level of cover at the time.

I got a ruling from the FOS in our favour in April 2010, but so far Lloyds have not replied to this ruling. I have dealt with 30 different people from Lloyds TSB in this matter, their complaints process is a complete sham and in effect it represents 2 fingers up to the FSA and Banking Code et al.

Other aspects of my wife's treatment at the hands of this bunch of crooks were poor. In particular in September 2008 they entered in to a contract "which we intend to be binding on us" to stop charging interest. This they then breeched in January 2009. So we are in the final stages of legal action despite the best efforts of their lawyers to stop the case coming to Court. In the Particulars of Claim I filed at the Court I cited over 100 items of correspondence covering all 30 of the staff I have dealt with, so that should keep their lawyers busy.

I've also spent £10 doing a Data Protection Act request on everything on my wife's file over the past 6 years. This has resulted in over 200 pages appearing from them, including some useful evidence which directly contradicts some of the stuff in the 100 items of correspondence.

Having also cited the DPA search in my Particulars of Claim, I am at liberty to call on any item in these documents - well over 300 pages in all - so at the very least I am going to make myself a very unwelcome plaintiff.

What I did was attach all my letters of complaint to Lloyds and forward them by email to [EMAIL="!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!![/EMAIL]. I then copied his email address about twenty times and told him to "sort it!". I mentioned various things like a) no legal holding waiver had been issued by the courts and b) no current complaint should be placed on hold (prior to 1st December when the new guidelines were in place) and c) other banks were still dealing with complaints and the FSA expected banks to continue to deal with complaints etc.

I mention all this because yesterday I had a letter from Lloyds Bank agreeing to make compensation offers on all six of my Black Horse loan agreements "without any admission of liability". Also they confirmed that no hold will be placed on these settlements.

I really hope your wife gets a result soon and strongly suggest you also email Eric Daniels (the chief executive) again and again because you may just get the result I just had!

NIGELK_3

Eric . Daniels @ Lloydstsb. co. uk

(somehow it was not shown on my last message - no spaces required)

di3004

Hi

Personal emails have been stopped on this site, for security reasons I think.;)

amersall

di3004 wrote: »

Hi

Personal emails have been stopped on this site, for security reasons I think.;)

No di, i think it is just lloyds and barclays :rotfl::rotfl::rotfl::rotfl:they must have complained to martin lewis :money::money:dont like us "peasants"
being able to contact them :rotfl::rotfl:
they think we dont have a brain ;)

di3004

amersall wrote: »

No di, i think it is just lloyds and barclays :rotfl::rotfl::rotfl::rotfl:they must have complained to martin lewis :money::money:dont like us "peasants"
being able to contact them :rotfl::rotfl:
they think we dont have a brain ;)

Arh right, so that's why then lmao :rotfl::rotfl:

oh dear :D lol x;)

-BA-

NIGELK wrote: »

What I did was attach all my letters of complaint to Lloyds and forward them by email to !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. I then copied his email address about twenty times and told him to "sort it!". I mentioned various things like a) no legal holding waiver had been issued by the courts and b) no current complaint should be placed on hold (prior to 1st December when the new guidelines were in place) and c) other banks were still dealing with complaints and the FSA expected banks to continue to deal with complaints etc.

I mention all this because yesterday I had a letter from Lloyds Bank agreeing to make compensation offers on all six of my Black Horse loan agreements "without any admission of liability". Also they confirmed that no hold will be placed on these settlements.

I really hope your wife gets a result soon and strongly suggest you also email Eric Daniels (the chief executive) again and again because you may just get the result I just had!

I have highlighted the bit of your post I am most interested to know more about. With regard to my claim where a Financial Adjudicator from the FSA wrote to HSBC on September 2nd last year, are they then obliged to follow through and not put it on hold until the Judicial Review then?

Perhaps I am misunderstanding what you have typed but if the FOS have allowed themselves to be fobbed off (sadly my Financial Adjudicator left and my case sat dormant for a while....hrrumph) then I will be phoning the FOS back and asking them to follow it up.

Andywr

I've now been waiting more than 3 years for the ombudsmen to resolve my case with mbna. I did get a cheque but as I had paid my account off in full every month, I didn't think it had been worked out correctly. I had a letter last year apologising for the delay. I still have no idea how long it's going to take.