PPI Reclaiming Discussion Part 5

magicmanS

Moneyineptitude wrote: »

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

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]

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?

Cassandra

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

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

-taff

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.

hollowhead

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

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.

hollowhead

-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

nnnnnnnnnnnnnnnnn