Lloyds TSB rejected credit card PPI claim

[Deleted User]

Jcpower wrote: »

Why would this be unbelievable? PPI was not and never has been explained or offered to me. Also, I have statements and there is absolutely no mention of PPI. I also have a medical condition that I have never been asked to disclose to a bank. I don't believe my case to be weak and I am telling the truth.

Dunstonh is right that your complaint is weak. PPI was not randomly added to credit cards without the customer's knowledge or permission. If you have some statements that do not state PPI is payable then they are likely either from a date prior to you taking the policy or from months when your account had no balance and so no PPI was payable.
You say you "found out" you have been paying PPI. How did you "find out"?

Buffers1977

Wow, it seems that people who are thinking about complaining about PPI are being given quite a hard time on this forum.

Isn't it the greedy, cut throat banks that are in the wrong here. Not the people who genuinely believe they have been misold PPI regardless of how weak their arguments sound.

dunstonh

Wow, it seems that people who are thinking about complaining about PPI are being given quite a hard time on this forum.

Not at all. With over half the complaints received by firms on PPI being fraudulent, it is only fair to see a similar level of such enquiries being posted on a forum about PPI.

Highliting pros and cons in a complaint is not giving someone a hard time. It is letting them know the issues and why.

Isn't it the greedy, cut throat banks that are in the wrong here.

Two wrongs doing make a right.

not the people who genuinely believe they have been misold PPI regardless of how weak their arguments sound.

How about the people that were sold correctly with no wrongdoing now putting in fraudulent requests?

Jhunt

Is this "independent financial adviser" for real? His advice is not the right one and clearly works for the banks. No-one puts claimants off without legal advice first, they are just his opinions. Verbal contracts not valid??!! Any bank knows that they have no legitimate contract without evidence and that this would favour the consumer not the bank! What a joke?! Any one that reads this go and seek the right advice from the FOS and don't be out off! Shocking!

dunstonh

His advice is not the right one and clearly works for the banks

Ah you for real? How can you be independent and work for a bank?

Any bank knows that they have no legitimate contract without evidence and that this would favour the consumer not the bank!

What are you on about? Clearly not the FOS complaints process.

What a joke?!

I guess you are.

Jhunt

No independent adviser would use the language and attitude that you do, only a ruthless banker! Stop trying to judge people's complaint outcome with your own personal opinion as you clearly are not legally trained. A tip for you, quote a common law, act or case to back yourself up - otherwise express that you are just giving an opinion on the interpretation of the information given by people that are just seeking help here! Quite petty for you to dissect people's sentences and try to ridicule them.

What's the FOS to do with contract law and the consumer credit act with the fact that contracts need to proved by the creditor to hold the consumer bound by its terms? In other words they need to prove they were correctly sold the contract which they had not proven with Dipnet29's case.

The FOS is just an ombudsman, it's the FSA that set up the guidelines and regulations which they need to adapt from the consumer credit act, at least!

You were quite wrong in what you said to DipNet29, saying he should have evidence to back his allegations?! He took out the contract in 1997, why would he keep any evidence? He's not working for MI5 and clearly the consumer credit act nor the FSA's regulations would expect him to have some under the circumstances. If the bank does not have evidence of how the ppi was sold but the customer can provide evidence of the existence of the account, I doubt - in my "opinion" after the courts ruling on ppi that they would just say to the customer - tough! There are so many success stories on cases even far back as 1997!

"His complaint is weak?" "He can ask for documents but there may be only a few?" You are clearly trying to put them off. No mention of the CAB, FOS ICO or the FSA to help steer them in at least getting advice and to follow the correct and fair process.

The customer might think they were mis-sold the ppi for one invalid reason but it may transpire they were mis-sold for another without knowing? That person would never know if they just took your opinion on their case.

Support not judge your client if you don't work for the banks! ; )

meer53

Jhunt wrote: »

No independent adviser would use the language and attitude that you do, only a ruthless banker! Stop trying to judge people's complaint outcome with your own personal opinion as you clearly are not legally trained. A tip for you, quote a common law, act or case to back yourself up - otherwise express that you are just giving an opinion on the interpretation of the information given by people that are just seeking help here! Quite petty for you to dissect people's sentences and try to ridicule them.

What's the FOS to do with contract law and the consumer credit act with the fact that contracts need to proved by the creditor to hold the consumer bound by its terms? In other words they need to prove they were correctly sold the contract which they had not proven with Dipnet29's case.

The FOS is just an ombudsman, it's the FSA that set up the guidelines and regulations which they need to adapt from the consumer credit act, at least!

You were quite wrong in what you said to DipNet29, saying he should have evidence to back his allegations?! He took out the contract in 1997, why would he keep any evidence? He's not working for MI5 and clearly the consumer credit act nor the FSA's regulations would expect him to have some under the circumstances. If the bank does not have evidence of how the ppi was sold but the customer can provide evidence of the existence of the account, I doubt - in my "opinion" after the courts ruling on ppi that they would just say to the customer - tough! There are so many success stories on cases even far back as 1997!

"His complaint is weak?" "He can ask for documents but there may be only a few?" You are clearly trying to put them off. No mention of the CAB, FOS ICO or the FSA to help steer them in at least getting advice and to follow the correct and fair process.

The customer might think they were mis-sold the ppi for one invalid reason but it may transpire they were mis-sold for another without knowing? That person would never know if they just took your opinion on their case.

Support not judge your client if you don't work for the banks! ; )

What a load of insulting waffle.

You don't need legal advice to claim PPI misselling. It's quite simple. If you feel you were missold, submit a claim form to the company concerned, stating your reasons for being missold. If you are rejected and don't agree, go to the FOS.

There are far too many people who have jumped aboard the PPI misselling wagon with a view to getting some extra spending money for Christmas.

The OP asked for advice, Dunstonh has provided this.

For a newbie, you're very aggressive.

dunstonh

Stop trying to judge people's complaint outcome with your own personal opinion as you clearly are not legally trained.

I am not legally trained. I am not a solicitor. However, PPI complaints are not handled under the law. So, no need to be.

A tip for you, quote a common law, act or case to back yourself up

A tip for you, this is PPI. Not a legal issue.

I was going to respond to you other points but you clearly don't understand the issue and don't want to. So, no point wasting time on you.