standard letter for ppi claim

raq

Hello

Can somebody please point me in the right direction for the standard letter to send off to companies on the PPI claims

Many thanks

-taff

step 3

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

raq

-taff wrote: »

step 3

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

thankyou so much, but ..... Do I have to write to the ombudsman at the same time as lloyds tsb??

dunstonh

Do I have to write to the ombudsman at the same time as lloyds tsb??

No. You only go to the FOS if you disagree with the response and feel you have a case to answer.

raq

dunstonh wrote: »

No. You only go to the FOS if you disagree with the response and feel you have a case to answer.

thankyou. GOnna give it a wirl , you never know. Been reading through some amazing stories on here.

Friend of mine had £300..00 back last month but the information went to her mums address.

I was just thinking, we have been in our new house for 8 years , is there any chance that Lloyds would have been trying to get hold of us from a loan dating back to 2001???

Many thanks

-taff

lloyds haven't been proactively contacting customers yet.

raq

-taff wrote: »

lloyds haven't been proactively contacting customers yet.

okay, thanks for that.

raq

taff...

I have printed out the ppi consumer question from martins blog.

1. Do I complete the 11 pages and send off to alliance & leicester ???

If so do I do exactly the same for the other 2 lenders

Also, how do I word the letter to the lender??

Any help would be great so I can put pen to paper asap

Many thanks

-taff

Yes, fill them all in and send them off. The PPI policy number is not the same as the account or credit card number, most people don't know that, so don't worry about putting 'I don't know'. Also, read the PPI help questionnaire that's on that page too, for pointers on how to fill it in.

[Deleted User]

raq wrote: »

t
Any help would be great so I can put pen to paper asap

Here's the full help template;

Help_TEMPLATE_from_Money_Saving_Expert.com wrote:

How to fill in the Financial Ombudsman Service consumer questionnaire

This guide is designed to be printed and used alongside the questionnaire. Relevant text can be copied across but please replace the information in blue with your personal details.

If you are not sure of any answers, tick ‘Can’t remember’, ‘Not sure’ or leave it blank but try to complete as much as possible. If you are still having problems filling it out call the Ombudsman on 08000 234 567 9 (or 0300 123 9 123 from a mobile).


IMPORTANT! You will need to complete a new form for each agreement you’re claiming for.

Section A: about you

A1. Please give us your name and contact details
Insert the name, date of birth, address, phone numbers and email address of the account holder. If it’s a joint account enter details of both account holders.

A2. If someone is complaining on your behalf please give us their details
If a friend, relative or claims handler is complaining on your behalf, complete this with their name, address, phone numbers and email address, otherwise ignore.

A3. What is the name of the financial business you are complaining about?
Enter the name of the company that you think is responsible for your complaint. This is usually the provider of the loan.

A4. What is the policy number of the PPI you are complaining about?
Enter the specific insurance account number if known or the account number of your loan if not.


Section B: about the sale of the insurance

B1. When did you take out this PPI?
A. Enter the date that you started your loan agreement. This can be an estimate if you do not know the exact date.

B2. Did the PPI provide either single cover or joint cover?
Tick the relevant box if you know what type of policy you have/had or leave blank.

B3. How was the insurance sold to you?
Tick the relevant box for how you took out the policy. This can help decide what information the seller should have given or asked at the time of sale.

B4. Did the financial business give you advice or recommend that you take out this policy?
Tick ‘Yes’ here if you spoke to anyone about the product and/or insurance before you took it out, especially if remember someone telling you you had to take out the policy eg at a specific advisory appointment.
Tick ‘No’ if you made your own decision to open the product and/or insurance eg you applied online, by post or at the bank counter without speaking to someone.

B5. How did you pay for this insurance?
Tick the relevant box if you know what type of policy you have/had or leave blank.

[Deleted User]

More to come;

B6. What is the current situation with this insurance?
Providing as much info as possible here will help the provider find your paperwork and could give an idea on how important the policy was to you (or not!). If you would like to explain why the policy was cancelled early use the extra space in section F.

B7. Have you ever made a claim on the PPI you are complaining about?
Making a claim does not stop you from making a misselling complaint but it will be taken into consideration if you win.


Section C: about the money you borrowed

This section can help to check if the lender looked into your circumstances before it sold the policy eg whether you could afford the repayments, whether insurance was suitable for the type of purchase.

If you have had financial difficulties this should be taken into consideration when your complaint is investigated and details of missed payments or arrears can help towards this.


Section about your personal circumstances

D1. At the time you took out this insurance what was your employment status?
Your, and your partner’s if relevant, employment status will help decide if you needed the cover. For example many policies exclude self employment so you may have needed to be told about this before taking out the policy.

D2. Has your employment status changed since you took out the insurance?
Fill in the changes to your employment, even if you have changed a few times (eg been in and out of work but are now working again).

D3. What type of work did you do when you took out the PPI and who was your employer?
Enter your profession and employer’s name, and your partner’s if relevant.

D4. How long had you been working there at the time you took out the insurance?
Enter the length of time you had been at the company when you took out the insurance. Some polices will need you to have been employed for a certain length of time to be suitable.

D5. Did your employer pay your for time off for sickness, accidents or redundancy?
Tick the relevant box, and for your partner’s if relevant, and a length of time if your employer did offer payments, as this can affect if you needed the insurance or not.

D6. Did you have any other means of making your repayment?
Tick ‘Yes’ or ‘no’ here depending on your answer, and enter full details of any other insurance or savings you had if relevant.

D7. Did you have any health problems when you took out the insurance?
Just tick ‘Yes’ or ‘No’ here depending on your answer, but enter full details in section E (including a brief description of what the health conditions are and if you discussed them, or were told about the exclusions, with anyone before buying the insurance).


Section E: about your complaint

Enter as much detail in these two boxes as you can. For example: the reason that you think the insurance was missold and/or any further information that explains your case. If someone is completing this form on your behalf you should do this section yourself so that it is in your own words but you can use these sections as a guide to the type of info to enter.