Lloyds Loan mis-sold?

DCFC79

OP why not do a complaint letter and see what happens, you might be able to get something off the loan. Did you mention something about PPI ? if you did why not do a claim for that.

1 thing I dont understand is you said the advisor put on the application about some rbs bank statements so did he put this down after you signed the agreement then ?

mskemp85

OP I think you already know your answer, since so far everyone has replied with essentially the same thing.

At the risk of incurring your insults, I will further their replies by stating that NO, you have no legal right to cancel the loan. You applied, were successful, and took the money fully understanding what you were doing. The best course of action is to take the reduced deal if Lloyd's are still happy to offer it.

These forums are all about help and are full of very helpful people, who have helped me out with a number of issues in the past. However what they won't do is lie to give you the answer you came on here to get.

Chickusdickus

Why am I a wally for asking a question 27?

spookymulder

I applied for a PPI refund for my loan with Lloyds TSB as apparently it was mis sold to me. Fingers crossed I do get my refund.

Apples2

Chickusdickus wrote: »

Why am I a wally for asking a question 27?

As you seem interested.

No, I never reclaimed PPI, I never took it out in the first place. I said No thankyou.

Chickusdickus

mskemp, why would you assume i would insult you? Where have I NOT been insulted myself however. Upon reading my first post, the first answer was, pretty much, No, Move on. Very abrupt with no real information there. Not a lot to go on.

The second simply commented on Fraud and did I want to go there and the 3rd was a dig at me not being able to take control of my finances!

Where is the real help and advice in any of these?

I still can't take this personally because it's just words on a screen. We don't know each other. I have suffered ridicule and public defamation because I wanted a text book answer to my question. I have not BLAMED anyone, I am not COMPLAINING. I do not need apologies.

I asked a question which was met with hostility, ignorance and ridicule.

It's all there in black and white.

For your own sake and anyone still reading this or feeling like they need to add to it. YOU DON'T HAVE TO!

Here's is what would have been a model answer:

Regardless of him creating a fiction in order to process the loan, this is a bank internal matter, and NOT FRAUD. Unfortunately on this matter, it's all legal and above board, if only a little lacking in morals and responsibility to you as a customer.

At which pint I may have simply answered: Ah, fair enough, I kind of gathered as much anyway. That's why I haven't pursued it further. I just thought I'd throw it out there to see if there was any new relevant info.

Thanks all.

and left it at that. This is typical on forums these days. It's you lot complaining about me, passing judgment on me, criticising me, ridiculing me hahah

Funny stuff.

Apples, the point of PPi is not about whether you asked for it, it's about whether it was applied WITHOUT you asking for it.

I tied it together in this instance to see if there was a correlation between the two. Mis-selling PPi to get points and now being able to claim it back, or falsifying customer notes in order to process a loan!

Chickusdickus

gb12345, no, I have said earlier, she was not my partner at the time. It's all above board.

Dcfc79, I also mentioned earlier I did put forward a letter as a query, and received a reply. As for the PPi, it's not been an issue for me, but a claim is being investigated as we speak just to make sure.

As for the RBS bank statements which never existed, I've no Idea if they were on at the time, or afterwards.

I understand the whole scenario here. I'm just not sure everyone else does.

Simplified question again.

Advisor told lies about RBS statements backing up my income. They didn't exist. This lie directly resulted in my loan acceptance. Does him falsifying the customer notes and fabricating supporting evidence of regular income void the loan?

It's a question. Not a complaint, not about blame, not shying away from responsibility. None of that insulting crap that's been offered.

gb12345

Chickusdickus wrote: »

gb12345, no, I have said earlier, she was not my partner at the time. It's all above board.

The fact that she wasn't your partner at the time is irrelevant and I very much doubt it is all above board.

Was she authorised by Lloyds to provide you with this information? As it is information from an internal system and you say "it was privileged information" I doubt it and she has therefore breached her contract and would be in deep sh*t if Lloyds found out that she had provided it to you.

Chickusdickus

The advisor also told me I didn't require PPi as i was self employed, which I now know to be false. I ceased trading not long after the loan was granted. If I had the PPi, this issue would never have come up.

Chickusdickus

gb12345!!!

Is this your opinion or a FACT?? She works for the Bank. They are referred to as 'Customer Notes'. I think most people adding to this haven't read thru the entire thing. I pointed out earlier that these notes are a transcribed account of the meeting and only confidential between the bank and myself. you can request to see your own notes on any meeting with the branch. If a complaint is brought forward, the notes are consulted at which point the customer can dispute them.

Again, another opinion. This is fact! There's a difference between, 'I very much doubt' and 'I know this as a fact'!

By privileged I mean I was privileged to know. Where does that suggest it was illegal? I didn't know I could request to see the notes of my meeting. It seems most people don't know this!