Lloyds tsb ppi -turn down

magpiecottage

dunstonh wrote: »

you can tell ppidisagrace works for a claims company from the number of mistakes he keeps making. After all, they only need to know how to put a stamp on an envelope.

Presumably they then manage to put it into one of these



Although it would be better in one of these

timberplus

I now have my doctors letter confirming I have had Asthma since 1977. During the time before I took out the credit card I was hospitalised twice, been to emergancy a few times to be "nebulised" and take steroids, inhalers, and other forms of medication.
The condition was never asked or discussed during my credit card application.
Can anyone advise if this would have been an exclusion clause on any PPI Claim, thus serving the insurance "useless"?

dunstonh

timberplus wrote: »

I now have my doctors letter confirming I have had Asthma since 1977. During the time before I took out the credit card I was hospitalised twice, been to emergancy a few times to be "nebulised" and take steroids, inhalers, and other forms of medication.
The condition was never asked or discussed during my credit card application.
Can anyone advise if this would have been an exclusion clause on any PPI Claim, thus serving the insurance "useless"?

You almost certainly would not be covered for asthma and any condition arising from Asthma. However, there is no reason why all other conditions that you could suffer would not be covered. It is generally not a condition that would rule out cover significantly enough.

ppidisgrace

magpiecottage wrote: »

Presumably they then manage to put it into one of these



Although it would be better in one of these

shows what level of debate you take it to when you are exposed and wish to destroy the thread, the truth will win, hundreds and thousands of claims from people mis-sold ppi are being rejected right now and the sooner this is exposed the better

[Deleted User]

ppidisgrace wrote: »

the sooner this is exposed the better

The sooner your trolling behaviour is exposed the better for this forum and for people genuinely in need of helpful (and free) accurate advice.

timberplus

It has been a while - well since April 2012 so I thought I would bring some news, perhaps even in desperation!
I have been chasing lloyds first and then the FOS.
The good news is after One year the Fos upheld my complaint.
Stating that LLOYDS TSB would have to compensate my PPI going back to when i first signed the card.
LLOYDS TSB in their first reject letter stated as I signed in branch in 1988 and that I was happy to do so.
I have argued with all good, factual reasons and finally won my case.
LLOYDS are to refund!
I have chased and chased and finally got some news....
They refused to tell me how much would be refunded and I kept asking when and obviously how much!?
Finally a gentleman said the reason he could not tell me on the phone was that it was over £25,000!
I then was advised that the amount would be paid to my current account....
It never appeared and I chased for a letter confirming this and was advised, this time by the Uk call centre that the amount was, and she actually said "are you ready" over £26,000.
So I waited again.
In the meantime I got a letter saying they were rejecting my claim - this was sent in error and they admitted they sent me the wrong letter!!
Then on the 7th June I phoned them again, to be advised that they had tried calling me that same day to advise me they had made a mistake and infact the amount calculated should be £5,800 approx (some huge mistake!) and this was going back to July 2006.
I have tried to contact them and explain and ask why the vast difference? and why calculate from 2006 when in their intial reject letter they admit that the reason for rejection is BECAUSE I SIGNED IN BRANCH IN 1988! The FOS have said their guidelines are for them to refund in full, from the point I signed for the PPI.
Since the 7th of June I have called many many times.
I want to make sure that when they calculate they take the correct date into account.
I received a letter on the 19th June saying they were trying to calculate my refund, were waiting on a few more statements and my offer will be within 4 weeks of the letter date??
So had they calculated over £26,000 then £5,800 and what are they doing now ? are they calculating a third figure, taking my rejection of the lower amount into account or the dates in question.... does anyone have any ideas how this works, how they can change the figure and now still are calculating..
I know I signed for the card back in 1988 and they confirmed this in the letter.
Where do I stand legally and can they just change the figure if it turns out to be the much lower indicated.
Appreciate any comments

[Deleted User]

I think the only redress you will receive is that which they actually offer you in writing. Telling us you were "informed" it was to be £26,000 means nothing unless that is what was actually offered.

Who exactly "informed" you these figures?

dunstonh

Where do I stand legally

Nowhere. The process is a refund of premiums that can be shown you paid plus interest.

Given the long timescale, its possible that they do not have an accurate history of premiums paid.

can they just change the figure if it turns out to be the much lower indicated.

Yes if the lower figure is the accurate figure.

timberplus

Thank you
Two advisors both confirmed the higher figure on two occasions.
Guess I will just have wait until all is in writing. We will see, annoying to say least as first claimed Feb 2012 but nearly there I feel...

[Deleted User]

timberplus wrote: »

Two advisors both confirmed the higher figure on two occasions.

To my knowledge, operators will not discuss redress amounts on the telephone precisely to avoid any such confusion.
There seems to be such a wide disparity between the amounts you are apparently being "told" that I wouldn't trust any of them to be accurate.

timberplus wrote: »

Guess I will just have wait until all is in writing.

I think this might be wise.