LloydsTSB PPI Payment

reallyangrynow

kerrirobberts wrote: »

It makes no sense, my letter was dated 5th August. Although if these are just loan restructure refunds then that might explain it as I don't have a loan that needs restructuring. Still doesn't seem right though. No point calling them as they know less than we do.[/QUO


hi was your calculations 5th august because if so you should have received youtmoney i would phone them and demand to speak to management

The_Marksman

reallyangrynow wrote: »

kerrirobberts wrote: »

It makes no sense, my letter was dated 5th August. Although if these are just loan restructure refunds then that might explain it as I don't have a loan that needs restructuring. Still doesn't seem right though. No point calling them as they know less than we do.[/QUO


hi was your calculations 5th august because if so you should have received youtmoney i would phone them and demand to speak to management

yeah mite be worth a call

reallyangrynow

has anyone actually received one of these revised letters. I phoned AGAIN and was told no letter scanned on system but last week was told it had defo been sent out

chris_0_2011

Hi I posted this in a topic i raised a few months back

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Back in 2007 i took out a loan with lloyds for £5000 which included PPI. Two months after this, I lost my job. This was a new job and I was only with the company for a month. I contacted Lloyds about the PPI and they declined my claim due to me losing my job during my probationary period. At that point I wasnt happy as this was not explained when I bought the policy but left it there as I had other things to concentrate on( getting a new job)

When the PPI misselling issue was raised a few months back I decided to put an official complaint in. Lloyds have logged the complaint and have sent me a response saying the will come back to me within 3 months.

During the period I was out of work I continued to pay back the loan . However the knock on effect left me with a number of other debts(credit cards etc that I had no choice but to use as I had no income). Within a year I had decided to take out another loan(£10000) with lloyds tsb to consilidate the debt I had got myself into. I believe the PPI insurance not paying out had a direct impact on this. Do I stand anywhere with this? I not getting my hopes up with the existing complaint, however do the circumstances I encoutered after my claim was rejected add current weight to my existing complaint?

Thanks

Chris

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Lloyds sent across a letter saying that I did not have the right to reclaim the PII and everything was done correctly. This letter was sent to me back in August and had the usual advice of contacting the FSA if I wanted. I didn't as I thought it waould be a waste of time! Now I'm hearing more examples of payments and I'm feeling a little aggrieved that my complaint was not upheld. I know the Fsa have an 8 week guidline to contact them on. Is it worth pursuing further?

Thanks

Chris

kerrirobberts

chris_0_2011 wrote: »

Hi I posted this in a topic i raised a few months back

---

Back in 2007 i took out a loan with lloyds for £5000 which included PPI. Two months after this, I lost my job. This was a new job and I was only with the company for a month. I contacted Lloyds about the PPI and they declined my claim due to me losing my job during my probationary period. At that point I wasnt happy as this was not explained when I bought the policy but left it there as I had other things to concentrate on( getting a new job)

When the PPI misselling issue was raised a few months back I decided to put an official complaint in. Lloyds have logged the complaint and have sent me a response saying the will come back to me within 3 months.

During the period I was out of work I continued to pay back the loan . However the knock on effect left me with a number of other debts(credit cards etc that I had no choice but to use as I had no income). Within a year I had decided to take out another loan(£10000) with lloyds tsb to consilidate the debt I had got myself into. I believe the PPI insurance not paying out had a direct impact on this. Do I stand anywhere with this? I not getting my hopes up with the existing complaint, however do the circumstances I encoutered after my claim was rejected add current weight to my existing complaint?

Thanks

Chris

---

Lloyds sent across a letter saying that I did not have the right to reclaim the PII and everything was done correctly. This letter was sent to me back in August and had the usual advice of contacting the FSA if I wanted. I didn't as I thought it waould be a waste of time! Now I'm hearing more examples of payments and I'm feeling a little aggrieved that my complaint was not upheld. I know the Fsa have an 8 week guidline to contact them on. Is it worth pursuing further?

Thanks

Chris

If they say no then off to the ombudsman you go.
You have nothing to lose Chris, it'll just be a bit of a long wait, but at the end of the day it's just a letter which could mean you receive plenty of dosh back.

reallyangrynow

anyone with calculations letter dated 26th september been paid yet after all these payments being made trying to work out when to expect mine

The_Marksman

reallyangrynow wrote: »

anyone with calculations letter dated 26th september been paid yet after all these payments being made trying to work out when to expect mine

Ive one still to go with lloyds dated the 27th september and as yet no new letter or news! may phone them later today

reallyangrynow

marksmen
please post how you get on i did phone but just got told a heap of lies again they are really doin my head in now all anyone wants is a staright forward and HONEST answer

jacksmac30

Received new calculation letter today. Quick call to find out when cheque would be received, should be within 7 days of receiving the letter. Their words "they have now caught up!" Here's hoping!!

di3004

chris_0_2011 wrote: »

Hi I posted this in a topic i raised a few months back

---

Back in 2007 i took out a loan with lloyds for £5000 which included PPI. Two months after this, I lost my job. This was a new job and I was only with the company for a month. I contacted Lloyds about the PPI and they declined my claim due to me losing my job during my probationary period. At that point I wasnt happy as this was not explained when I bought the policy but left it there as I had other things to concentrate on( getting a new job)

When the PPI misselling issue was raised a few months back I decided to put an official complaint in. Lloyds have logged the complaint and have sent me a response saying the will come back to me within 3 months.

During the period I was out of work I continued to pay back the loan . However the knock on effect left me with a number of other debts(credit cards etc that I had no choice but to use as I had no income). Within a year I had decided to take out another loan(£10000) with lloyds tsb to consilidate the debt I had got myself into. I believe the PPI insurance not paying out had a direct impact on this. Do I stand anywhere with this? I not getting my hopes up with the existing complaint, however do the circumstances I encoutered after my claim was rejected add current weight to my existing complaint?

Thanks

Chris

---

Lloyds sent across a letter saying that I did not have the right to reclaim the PII and everything was done correctly. This letter was sent to me back in August and had the usual advice of contacting the FSA if I wanted. I didn't as I thought it waould be a waste of time! Now I'm hearing more examples of payments and I'm feeling a little aggrieved that my complaint was not upheld. I know the Fsa have an 8 week guidline to contact them on. Is it worth pursuing further?

Thanks

Chris

Chris

Sometimes they will change a final rejection decision, so you could write back with further information and tell them, at the end of the day they would not pay out when you tried making a claim, so this policy is worthless to you, and a waste of your money.

Tell them you do not agree and don't feel they have taken your reasons into account and have totally overlooked your case.

Give them 14 days and if you hear nothing or if they do not change the decision, then complain to the FOS.

Good luck.;)