Urgent Help on PPI Claim

rooster0

Hi there,

I wrote to Lloyds TSB on 22nd April 2012 requesting copies of 2x loans and 1 x credit card with them. I supplied the credit card number and the two agreement numbers for the loans.
They wrote back to me (only referring to the credit card!) on 9th May saying:-

"Thank you for your letter about your account. Section 78 only applies during the lifetime of the agreement. As the above numbered account has been closed, and the balance paid off in full, there is no longer a regulated agreement between ourselves. In view of the above we are unable to provide you with documentation as requested."

I then wrote to Black Horse CRA using a SAR template. I included the details of 2 x loans I had with Lloyds TSB and also a credit card. I enclosed a cheque etc.. as stated.

They have written back (enclosing my cheque) to me saying that they have undertaken searches of their system and unfortunately are unable to locate any agreement with them. They have further said if I can provide a valid agreement number, previous addresses, date of birth etc... that may assist.

This is most confusing... surely the letters are slightly conflicting!!?

They agreement numbers and credit card numbers must be correct!? When I had these loans and credit card, I signed up to a debt management agency (Gregory Pennington) and had contacted them - they confirm (by sending me a full statement) that the last payments I made to Lloyds were in June 2007. Obviously this is 5 years ago but still within the 6 years??

Surely they must still have copies of the agreements and have to send them to me? Am I wrong? I've read so much advise on MSE but I'm getting more and more confused! Please please help...

Many thanks

SimonD316

I could be wrong, but i've done a quick search for Section 78 and it doesn't appear relate to PPI?

You say your loans and Credit Cards were with Lloyds TSB but you sent the SAR to Black Horse which is a different business. You should resend the SAR request to Lloyds TSB, but as you already know the account numbers why not call them on 0845 601 2683 to start the ball rolling?

cat516

rooster0 wrote: »

Hi there,

I wrote to Lloyds TSB on 22nd April 2012 requesting copies of 2x loans and 1 x credit card with them. I supplied the credit card number and the two agreement numbers for the loans.
They wrote back to me (only referring to the credit card!) on 9th May saying:-

"Thank you for your letter about your account. Section 78 only applies during the lifetime of the agreement. As the above numbered account has been closed, and the balance paid off in full, there is no longer a regulated agreement between ourselves. In view of the above we are unable to provide you with documentation as requested."

I then wrote to Black Horse CRA using a SAR template. I included the details of 2 x loans I had with Lloyds TSB and also a credit card. I enclosed a cheque etc.. as stated.

They have written back (enclosing my cheque) to me saying that they have undertaken searches of their system and unfortunately are unable to locate any agreement with them. They have further said if I can provide a valid agreement number, previous addresses, date of birth etc... that may assist.

This is most confusing... surely the letters are slightly conflicting!!?

They agreement numbers and credit card numbers must be correct!? When I had these loans and credit card, I signed up to a debt management agency (Gregory Pennington) and had contacted them - they confirm (by sending me a full statement) that the last payments I made to Lloyds were in June 2007. Obviously this is 5 years ago but still within the 6 years??

Surely they must still have copies of the agreements and have to send them to me? Am I wrong? I've read so much advise on MSE but I'm getting more and more confused! Please please help...

Many thanks

It sounds as though there has been a great deal of confusion here. The options that you now have are;

1. Contact Gregory Pennington and ask them again for the original account numbers. Make sure that the references you are given are the account numbers for the original account and not the account number for a collections company. Or......
2. Call the lender - try lloyds first & explain that it is regarding a black horse agreement & you simply need the account numbers. Once you have these you can request a copy of the agreement. If you can't get anywhere and you have given them your valid credit card number I would try to log a complaint to make sure that your query is dealt with fully.

The lenders are supposed to keep the agreements for up to six years from the point of you making your final payment on the lending however, the majority of lenders will loose or, not keep hold of these agreements which may be why you are finding it difficult.

If you are trying to reclaim PPI you do not need the original agreement just the account number to start the process, it is then up to the lender to prove that they did not mis-sell by providing copies of the original agreements and details of the sale.

waddy80

Black horse & ltsb are 2 different companies so the sar you sent to black horse won't get you Lloyds tsb details.