LloydsTSB PPi advice

plumbertone

Hi peeps ,

I'm going to put a claim in for missold ppi soon with Lloydstsb. The following are the facts:

Had a total of 5 loans with Lloyds from 1998 to 2004.
The first 4 were in my name only and the 5th was a joint loan with my then partner now my wife.
I've done a DSAR and for the first 4 loans they only had screenprints with the total loan amount and repayment and that it was a loan with insurance but not how much PPI I paid.
The 5th loan had more detail and showed how much PPi I paid, how much I got refunded when I paid it off early and that it was single premium.

At the time of the first 4 loans I had a good job with good sickness pay.
When we took the 5th loan out I had changed jobs but still had good sick pay plus my partner was a college lecturer so also good sick pay.

Any tips for how to word my claim please?

Also as all the loans were refinance loans should I put them all on one FOS questionnaire?

Thanks
Tone

calce1987

Can I ask why you feel the policy was mis-sold?

plumbertone

Basically, because it was single premium and that if I was fully informed of the cost of the insurance I wouldn't have taken it out and maybe found a cheaper policy elsewhere if I had required it.

calce1987

Then that's pretty much how you would need to word it, advise them that you feel the policy was mis-sold for the following reasons and quote what you have just said. It is as simple as that to be honest.

plumbertone

Ok great thanks