PPI Reclaiming Discussion Part 5

ElvisPresleysCat

di3004 wrote: »

Hi Adam

You will need to ask them for a breakdown if successful, they do normally send these and enclose what you have paid of the PPI to each account and interest.

Another way really would be to request for your paperwork under a Subject access request (SAR).

However, with a few of mine, (Lloyds) they did actually email me back with a list of loans taken out with PPI) free of charge, which may save on doing a sar request.

Super thanks

hush_little_baby

Thanks guys, do I just the SAR to the branch?

hush_little_baby

cappo wrote: »

Hi they would tell him that, it's another one of the banks fob off's, LTSB are very good at playing this game refuse to play and fos it if it doesn't go anywhere.

What is fos?

di3004

CaPPsiE wrote: »

Super thanks

Your very welcome, and the best of luck.;)

di3004

hush_little_baby wrote: »

What is fos?

Financial ombudsman service (FOS) who are a free service for these types of complaints, if the business you complain to does not resolve in your favour by a final given decision, then you can complain to the FOS, the business should enclose the details with a leaflet of the FOS in the final decision.
(if eligible).;)

[Deleted User]

hush_little_baby wrote: »

Thanks guys, do I just the SAR to the branch?

hush_little_baby wrote: »

What is fos?

Send the SAR letter to the address I provided for you earlier.
F.O.S. is just the acronym we use here when referring to the Financial Ombudsman Service.
When you find out whether you had loans with PPI (or not), go to this link and look for reasons for mis-sale

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

di3004

hush_little_baby wrote: »

Thanks guys, do I just the SAR to the branch?

Lloyds TSB this if for isn't it? just making sure lol.:D (to save me scrolling back on posts).

Lloyds have many addresses, and it appears that most send a SAR request to the addy below.

Send to
Copy Statement Unit
Lloyds TSB plc
Swallow House
10 Swallow Street
Birmingham
B1 2AL

I would also suggest to post by using signed for/recorded delivery as well.

Good luck.:)

[Deleted User]

Moneyineptitude_EARLIER wrote: »

Send them a Subject Access Request (SAR) letter and see what comes back:


https://forums.moneysavingexpert.com/discussion/1475553

It costs £10 and may (or may not) list loans older than six years ago. It's your call as to whether it's worth the £10.

Send to
Copy Statement Unit
Lloyds TSB plc
Swallow House
10 Swallow Street
Birmingham
B1 2AL

di3004_MUCH_LATER wrote: »

Lloyds TSB this if for isn't it? just making sure lol.:D (to save me scrolling back on posts).

Lloyds have many addresses, and it appears that most send a SAR request to the addy below.

Send to
Copy Statement Unit
Lloyds TSB plc
Swallow House
10 Swallow Street
Birmingham
B1 2AL

I would also suggest to post by using signed for/recorded delivery as well.

Good luck.:)

We're falling over each other to help on here!
Want to take it in turns???;)

di3004

Moneyineptitude wrote: »

We're falling over each other to help on here!
Want to take it in turns???;)

LOL, now wouldn't that be a great idea :D:rotfl:;) x

PaulCielo

Hi
I have a question regarding the PPI, I have had a company called Life Style Money on the phone who claim that some credit card companies and load companies (including Mortgages) charged PPI by adding it on the interest without your knowledge and the only way to get this back is to let them handle it for you.
I paid PPI once on a credit card for about 3 months before I noticed it listed as PPI in fact and I always keep an eye on "other charges"
Is it true that credit companies could hide these charges?