PPI Claim rejection

PPI_Prisoner

After receiving confirmation from the ombudsman that they supported our PPI claim from Lloyds TSB. Lloyds TSB have rejected the claim.


Any advice on how to proceed would be gratefully received.

dunstonh

Can you clarify what you mean by " receiving confirmation from the ombudsman that they supported our PPI claim"?

If you mean you initially submitted your complaint via the FOS, then they will always initially support your complaint. They are well known for doing this, even on dead cert no-hope complaints. All the FOS do at this point is record their interpretation of your complaint and forward it on to Lloyds. No adjudicator takes a look at the complaint and the telephone person you spoke to is unqualified to make any suggestion of success (even though they hint that way as said)

If you mean that Lloyds rejected your complaint, you then referred it to the FOS who then upheld the complaint but Lloyds have now appealed that decision, then that is something different.

[Deleted User]

PPI_Prisoner wrote: »

After receiving confirmation from the ombudsman that they supported our PPI claim

If FOS simply encouraged you to complain, then that is not actual "support" and is not any guarantee that the Bank will uphold the complaint (or even that the complaint is valid).
If you haven't already (it's not clear) then you may now refer your complaint officially to the Ombudsman.

But why did the Bank actually refuse the complaint?

PPI_Prisoner

The letter that we have received from FOS is titled "your complaint about Lloyds Bank PLC" with the following "We are writing to update you on your OOI complaint. As you will see, we wrote to the business today to say that - based on the information we have seen so far - we think your complaint should be upheld.


What happens next
THe business now need to consider whether they agree with our assessment of your complaint, If they do we will let you know what this means for you....

dunstonh

So, what you are saying is that Lloyds initially declined your complaint. You then referred it to an adjudicator at the FOS who upheld your complaint but Lloyds are rejecting that and it will be referred to an ombudsman?

PPI_Prisoner

Letter received via FOS from Lloyds Bank


Conclusion
Having considered the evidence carefully we believe...had a need for the policy. We have taken into consideration...existing means of repayments and all allegations regarding the sale of insurance. ... does not appear to have been affected by any significant limitations or exclusions of the policy, and so could have benefited from the cover if reqired. We are satisfied the cost of the cover was affordable to ... and the benefits in comparison to the cost were suitable. It seems likely ... would have been given a clear choice to accept or decline the cover, as shown on the CCA. ... would have been provided with a policy document and so had sufficient information to show the policy was optional and make an informed decision.


Having considered the evidence carefully, we are not persuaded the policy sold to ... was unsuitable at the point of sale. We do not believe... would have acted differently and declined the policy, had he been better advised or informed.


We would therefore be grateful if you could reconsider your decision in light of the above. Whilst acknowledging that each case has its own set of circumstances which require consideration, we have received Ombudsman decisions from your service with clear similarities to the merits of this case. We do not believe the outcome you have reached is consistent with the methodology we have previously seen.

-taff

Now you wait till an actual ombudsman gives their decision on the case. Expect to wait for many more months.