We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

PPI Reclaiming Discussion Part 5

16096106126146151103

Comments

  • It looks like they are attempting to time-bar your complaint because they no longer have documentary evidence that you paid PPI back in 2001. It's certainly unusual for them to ignore the complainant's own evidence.
    As they've rejected you three times, I think you may need to refer this to FOS. As I said, you only have six months from the date of the first rejection to complain to the Ombudsman...

    Thanks, the funny thing is that I got the third reject letter before my third letter had even been delivered to them! Lloyds must be able to see in to the future. I have called them to discuss this but was told they have nothing on their system and I should take it up with the FOS.
  • hollowhead
    hollowhead Posts: 464 Forumite
    Part of the Furniture 100 Posts
    I sent them a completed form on November 11th and again on Dec 6th! have had heard nothing! Anyone know of a number to call or any advice?
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    hollowhead wrote: »
    I sent them a completed form on November 11th and again on Dec 6th! have had heard nothing! Anyone know of a number to call or any advice?
    They have eight weeks to respond. Why have you duplicated your complaint?
  • Hi All,
    Hope this is the correct thread to asked this question.
    Which company is the best to go with to find out our
    FULL CREDIT HISTORY.

    Thank you.
  • -taff
    -taff Posts: 15,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Because they didn't get a reply or acknowledgement of the complaint for the first one they sent
    https://forums.moneysavingexpert.com/discussion/comment/57766545#Comment_57766545
    Non me fac calcitrare tuum culi
  • -taff
    -taff Posts: 15,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cassandra wrote: »
    Hi All,
    Hope this is the correct thread to asked this question.
    Which company is the best to go with to find out our
    FULL CREDIT HISTORY.

    Thank you.

    No company has your entire credit history, only the last six years or whatever has been closed in the last six years.
    Any one of the reputable ones will have it, but they don't have full account numbers involved, only partial ones.

    Experian
    Equifax
    Noodle seem to be quite popular too.
    Non me fac calcitrare tuum culi
  • hollowhead
    hollowhead Posts: 464 Forumite
    Part of the Furniture 100 Posts
    I sent copies to two different addresses as I was not sure of the address . The card was taken out with associates who changed to citi and then opus so I am confused:( Still not sure I have sent it to the right place! Opus have been no help!
  • -taff
    -taff Posts: 15,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Whoever owned the liability of the card when you closed it is who you send your complaint to.
    If you haven't had a reply in 8 weeks to the original complaint, you can refer it to the FOS and let them sort it out, but then you will wait for 18 months or thereabouts.
    Non me fac calcitrare tuum culi
  • hollowhead
    hollowhead Posts: 464 Forumite
    Part of the Furniture 100 Posts
    -taff wrote: »
    Whoever owned the liability of the card when you closed it is who you send your complaint to.
    If you haven't had a reply in 8 weeks to the original complaint, you can refer it to the FOS and let them sort it out, but then you will wait for 18 months or thereabouts.

    the account is still open as an opus card. I stopped the ppi years ago as I wasn't working.
  • yummymummyoftwo
    yummymummyoftwo Posts: 479 Forumite
    edited 7 April 2013 at 9:43PM
    nnnnnnnnnnnnnnnnn
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.8K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.8K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.