How far back can my mother claim? Confused!!

riotous007

Hi Everyone, I've been looking for the answer to this for ages and the whole 6 year thing is confusing. My Mum has had her Lloyds TSB credit card since the mid 90's. They added PPI without her consent but when she's queried it she remembers being given the hard sell and them convincing her to keep it. she thinks she's been paying around £8.15 per month since then, the card is still in use and still paying PPI. She now believes she was miss sold it and never given any extra info on it.

She doesn't have all her statements, so can she only claim back 6 years, or as the account is still active will the bank have all the history? I'm confused weather they only keep up to 6 years worth of details or as the card is still in use will they have all the details from day one?

Before seeing all the information on here, we already wrote to Lloyds complaining using a template letter from the Guardian. We didn't mention any amounts. That was only a week or so ago, she has had a letter saying they have received her complaint, nothing else yet though.

Thanks in advance.

[Deleted User]

riotous007 wrote: »

we already wrote to Lloyds complaining using a template letter from the Guardian. We didn't mention any amounts. That was only a week or so ago, she has had a letter saying they have received her complaint, nothing else yet though.

Since your complaint is already in motion there is little to add except that you don't need to complain about certain periods of time or request specific amounts of money.

Your complaint should be about the original mis-selling of the insurance and, if the Bank upholds your complaint, your Mother will receive back all PPI she has paid plus 8% simple interest.

It's impossible to predict exactly how far back the Bank's records on this will go as the account is still active, but there have indeed been instances of Banks demanding statements to "prove" how much was paid longer than six years ago.

Of more concern is the reason you gave for complaint, namely that your Mother had the PPI added without her consent. What proof did you have of this? If you don't have proof, expect the Bank to issue a rejection on the basis that "their sales methods at the time ensured that this could not happen".

They have eight weeks to respond to your concerns with a "full and final" decision. After that you can refer your complaint to the Ombudsman.

Good luck, anyhow!

hallowitch

these claims go back to 1995 and 1998


http://www.consumeractiongroup.co.uk/forum/showthread.php?354001-Mbna-awaiting-offer-letter-£64-000-WIN!!

also on BBC http://www.bbc.co.uk/news/business-18554478

riotous007

Thank you, in the letter we put that we believe it was miss sold due to the high pressure sales tactics used my the staff, I was referring to when she queried it. So I didn't actually mention that it was added with out her consent. We also noted how the policy wasn't explained fully. hopefully she can get her money back. Just hope Lloyds have all her records. Thanks

[Deleted User]

hallowitch wrote: »

these claims go back to 1995 and 1998


http://www.consumeractiongroup.co.uk/forum/showthread.php?354001-Mbna-awaiting-offer-letter-£64-000-WIN!!

also on BBC http://www.bbc.co.uk/news/business-18554478

Since every complaint is dealt with on it's own merits (or lack of) it's not really useful to post up complaints like these as evidence that the OP's complaint might similarly be upheld.

My own PPI complaint dated back to 2002, but the circumstances were completely different to the OP's.

However, as I already said, there is no need to complain only about specific periods of time, since the complaint is about what was done at the time of the original sale of insurance-how ever long ago that might have been!

hallowitch

How far back can my mother claim?

that was the question asked
that was the question i answered

di3004

Hi

With my own experience of Lloyds, I was successful with reclaims as from the mid 90's.;)

riotous007

Lets hope she's successful then. The reasons I stated for the complaint were:

-If I became unemployed and could not have claimed on the policy. I was not informed or warned of this.

-I was employed at the time but your staff did not inform me that any change to this could invalidate sections of the policy during its life. I was not asked about any intended charges or informed or warned of their effects on the policy.

-Your staff subjected me to high pressure sales tactics.

-Your staff did not fully explain the policy and its exclusions to me.

Hopefully that does the trick..

[Deleted User]

Your reasons sound like they have been copy and pasted from a template. They are also all "hearsay"reasons for which you can provide no evidence. I'm afraid this is the weakest kind of PPI complaint.
As I said earlier, if you don't have proof of allegations you make in your complaint, expect the Bank to issue a rejection on the basis that "their sales methods at the time ensured that this would not happen".

riotous007

I thought that may be the case. What would you have suggested I'd put for the best chance of a refund? What reasons are being used on the claims that are upheld? Maybe another reason is more suited. I'm not saying I want to make up a reason just there may be a stronger complaint that suits the situation. Thanks

[Deleted User]

riotous007 wrote: »

I thought that may be the case. What would you have suggested I'd put for the best chance of a refund? What reasons are being used on the claims that are upheld? Maybe another reason is more suited. I'm not saying I want to make up a reason just there may be a stronger complaint that suits the situation. Thanks

It's the truthful and (even more importantly) verifiable reasons that have the strongest chances of success. For example, your Mother might have had a pre-existing medical condition which precluded her from ever claiming on the insurance. She could have been self employed, unemployed, or already a pensioner..
The list goes on. Look here:
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2
If any of the non-hearsay complaint reasons actually apply to your Mother then you should write to your Lender with the extra evidence.