Lloyds

thunders79

I found some old statements for two old credit cards I had with Lloyds years ago. Both of them had PPI which I wasn't aware of.

I phoned Lloyds up to log my complaint and a very helpful lady took all my details and confirmed the account numbers with me and asked for my reasons for complaining. She then said they would write to me within 7 days confirming our telephone conversation and would have a response within 8 weeks.

However, a letter was sent two days after our telecom stating that neither of the accounts had PPI on them so they would be closing the case unless I had further evidence (which I do!) - It seems as though they didn't even bother to look into this as I did have PPI and can prove it. It just goes to show that if you don't have the relevant paperwork to hand, the banks can just lie their way out of it.

I have put a letter together with a copy of a statement from each account and will post today.

However, the wording in the letter does confirm that I did not opt for PPI!

dunstonh

Are you sure it is PPI and not another product that card providers often offer? PPI is a specific type of product.

thunders79

dunstonh wrote: »

Are you sure it is PPI and not another product that card providers often offer? PPI is a specific type of product.

Yes I'm positive. It says Payment Protection Plan at the end of every statement.

Wywth

thunders79 wrote: »

I found some old statements for two old credit cards I had with Lloyds years ago. Both of them had PPI which I wasn't aware of.

I phoned Lloyds up to log my complaint and a very helpful lady took all my details and confirmed the account numbers with me and asked for my reasons for complaining. She then said they would write to me within 7 days confirming our telephone conversation and would have a response within 8 weeks.

However, a letter was sent two days after our telecom stating that neither of the accounts had PPI on them so they would be closing the case unless I had further evidence (which I do!) - It seems as though they didn't even bother to look into this as I did have PPI and can prove it. It just goes to show that if you don't have the relevant paperwork to hand, the banks can just lie their way out of it.

I have put a letter together with a copy of a statement from each account and will post today.

However, the wording in the letter does confirm that I did not opt for PPI!

The way I read the response, LTSB didn't believe there was any PPI attached to either account ... but were happy to be proven wrong if you have evidence to the contrary.

I see you are now sending the evidence you have. I suggest you wait to see what their response will now be

welshgasman

Send in copies of the statements as soon as you can.

thunders79

I sent a letter telling them to look at my case properly as PPI was on both credit card accounts. I also attached a copy of one statement from each account, highlighting PPI.

Fingers crossed this helps