My PPI Reclaiming Checklist

zorgan

I have a statement here from back 2003 "Lloyds TSB" Visa/Mastercard

Has on a monthly statement

£7.28 CARDHOLDER PROTECTION PLAN

What my issue is, I can not remember if I applied for this card over the internet or not, also not sure if it can be claimed back as far as 2003?

TIA for any advice.

magpiecottage

Why do you think this was missold?

The_Marksman

zorgan wrote: »

I have a statement here from back 2003 "Lloyds TSB" Visa/Mastercard

Has on a monthly statement

£7.28 CARDHOLDER PROTECTION PLAN

What my issue is, I can not remember if I applied for this card over the internet or not, also not sure if it can be claimed back as far as 2003?

TIA for any advice.

You can start a complaint if you have your reasons you feel mis-sold on the sale of the ppi. Its easy to do yourself, so i would avoid a claims company.

You can do the complaint over the phone or via letter form, its up to you

to get you started, Look here for info and reasons for being miss-sold your ppi, Most ppi's were front loaded (loans) which is a big NO NO so go for it!

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

Once you have had a read though and have your reasons. You will need to fill in a consumer complaints questionnaire. Which I would download, have a read though and familiarise yourself with the questionnaire and its layout. The questionnaire can be found here

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

the main info you will need to complete the questionnaire is:

• Loan account number/numbers OR CC account number/ numbers
• start date
• finish date
• and your reasons

also have a read here for even more information:

http://www.financial-ombudsman.org.u...PPI-forms.html

Info for Lloyds:

http://www.lloydstsb.com/payment_pro...complaints.asp

then complete the form and send it off. If you ring your bank or CC company they may have a ppi complaint line and can start your complaint for you over the phone but id get as much info ready before phoning them. If you start a complaint over the phone, they will ask the reasons why you felt mis-sold so have all the information ready and be prepared.

simples, hope that may help, good luck