Can Lloyds do this?

calypso16

I have been trying to get information from Lloyds re PPI on my credit card since 1st June. I only realised with all the publicity around the JR that PPI on a credit card was not compulsory (I know, silly). Lloyds have told me that PPI was applied to my card in Feb 1998, but I have no recollection of requesting it or agreeing to it (or needing it because I have always had good sickness entitlement through various employers).

They have admitted for the first time today that they have no record of my application for the card or of any agreement to PPI, and are just shrugging their shoulders saying that they have no information to give me. (It has only taken ten weeks, numerous phone calls and emails to find this out).

The thing is, I have no recollection of applying for a new credit card at this time. I believe I have always received replacement credit cards when an active one has expired, rather than proactively applying for a new one. My original credit card was an Access card (which should not have had PPI on it as I was a student), and my feeling is that my current credit card was issued as a replacement for an access card, when mastercard took over access and my existing card expired.

First off, is this correct, that Lloyds can just say "sorry, we have no information on how you were sold PPI" and just think this is an end to it?

Secondly, is it worth my complaining? I had no idea that PPI was optional, or of the implications of it, until the recent publicity. It is certainly not something that I would have requested or agreed to had I been asked. But without documentation, I cannot prove that I did not agree to it (but then Lloyds cannot prove that I did).

Any thoughts (or advice from people who have been in a similar situation with a card that goes back some way).

Many thanks!

di3004

Hi there

What I would do is put in a reclaim anyway, this have happened to many on here and they have still been successful.

I was told at the beginning of the year that they had no details of a certain loan account, I emailed them a few weeks back and they emailed back with the details, so I got in a reclaim and was successful. They also enclosed the calculations as well.

To make a reclaim, the questionnaire to do this is on the lloyds website, its the same as the one on here, the address details also on the lloyds site, keep copies, they currently have 16 weeks to make a decision, it was 8 weeks but the FSA have given some of the banks more time due to the backlog.
http://www.lloydstsb.com/payment_protection_insurance_complaints.asp

Keep copies for yourself as well in case you need to refer back to them again at some point, good luck.