LLoyds TSB Final Outcome Letter

dunstonh

Brains64 wrote: »

This is what I would have suggested too but I find it interesting that apart from a thanks by the OP, this point which you make amershall, which again, I must stress, has also been mentioned by Martin Lewis in that article in the link has gone unanswered, disregarded and all there seems to be coming from the regulars here (no names need to be mentioned) is negative responses that are likely to deflate the OP from making any further efforts, if I didn't know better I'd swear they were being paid by banks to put people off of making claims on here.

I'm not seeing any such views on this thread.

The OP has no evidence of making any PPI payments as the statements show no PPI paid (I have asked again to be sure). The bank has no evidence to say PPI was paid. Yet there is an opinion that a large sum of money is due.

The responses have reflected the posts made by the OP and asked questions to clarify points to aid the OP on what to do going forward. Not to put them off. That is of course, if it turns out that no PPI was paid. In which case, pursuing the complaint further would be a pointless exercise as you cannot be refunded something you never paid in the first place.

-taff

Brains64 wrote: »

...all there seems to be coming from the regulars here (no names need to be mentioned) is negative responses that are likely to deflate the OP from making any further efforts, if I didn't know better I'd swear they were being paid by banks to put people off of making claims on here.

Yes, we should tell them to complain anyway shouldn't we, even if they haven't actually paid PPI. What was I thinking there? The truth? Pah! Who needs it......Whereas you, the people's champion, give such great advice, we should just leave it to you to tell people nice things all the time regardless of whether or not you are giving them the right information.

Brains64

-taff wrote: »

Yes, we should tell them to complain anyway shouldn't we, even if they haven't actually paid PPI. What was I thinking there? The truth? Pah! Who needs it......Whereas you, the people's champion, give such great advice, we should just leave it to you to tell people nice things all the time regardless of whether or not you are giving them the right information.

Yes but there is such a thing as telling the facts out of spite and I detect a very strong spite element on this forum, it's been a reoccurring theme on here, even if it might be true that some people who make inquires of this type on here might not have a very strong case there's no need to be so condescending about it.

I'm not saying give people false hope (yes...I knew you were going to try and say that this is what I'm giving them ) but what I am saying is that there should be more positive/negative balance in terms of how you respond to inquires, of course, I don't expect you to agree.

In fact, I expect you to try to misrepresent what I'm saying here even further, especially good ol ' Moneyineptitude, I bet he'll cleverly isolate a certain section of this post like he does others in an attempt to make me look as if I'm saying something different from what I'm really saying, I love your tactics here I have to hand it to you:rotfl:.

-taff

Read every post from me as if you were reading a book and you won't go far wrong.
It's just information, it's not hand-holding or smileys or chinking beer glasses.
If other people like ot do that, carry on. From me, the bald facts and if I'm wrong I expect to be told so , but with facts, not with, 'boo hoo, you're being nasty and horrible'.

manic_mo

It was not my intentions to start a debate between users. I was of the impression (perhaps wrongly) that the PPI payments were incorporated into the interest payments each month. (effectively hidden). If the PPI had of been detailed seperately I would certainly have queried it before now. It was TSB who advised me PPI has been on my credit cards since 1989 and are now telling me that there is not as I apparently walked into the branch 23 years ago to cancel the PPI. I have no recollection of this as PPI was never discussed with me in the 1st place, however I am unable to prove otherwise. Since my mum also has the same outcome from TSB re a loan, I was also trying to establish if this response from TSB was a common theme in light of recent news in trying not to pay out. In addition, part of my issue with TSB is that different people are telling me different information and I shall take this up with them. Thx to everyone who took the time to respond.

dunstonh

I was of the impression (perhaps wrongly) that the PPI payments were incorporated into the interest payments each month. (effectively hidden)

They are not. it is a transaction on the statement. It is not hidden. Depending on the provider, it will appear like a retailer transaction or it will be shown after the subtotal of transactions with interest and PPI payment each appearing on the statement.

Loans on the other hand are slightly different as the transaction is single premium and added to the debt at the start. Any statements you get after that would not show any PPI. For unsecured loans, the PPI must appear on the credit agreement. hence they it is recommended you get a copy of the credit agreement if you do not know if you had it or not.