Front loaded ppi on a chain of loans

Clairejones123

Hi please can someone help I'm new to this I've subjected a sar request to lloyds for my financial history being stupid with money in my younger days I had 11 loans in total over a period of 6 years all consolidated from one into another all with front loaded ppi I never asked for needed ppi on any them nothing was ever explained to about the ppi ie benefits health questions or costs or that I was continuously being sold ppi over and over on each of these consolidations is this a case for miss selling on the chain of loans itself

[Deleted User]

Clairejones123 wrote: »

I was continuously being sold ppi over and over on each of these consolidations is this a case for miss selling on the chain of loans itself

You can have as many consolidation loans as you like (or the Bank will allow). The loans have not been mis-sold.

However, you have a strong case for mis-sold PPI if it was front-loaded onto such a consolidation chain and you should lose no time in sending your complaint.

Clairejones123

Hi thanks for your reply I have logged a complaint with lloyds but didn't mention the consolidation chain as I only now have noticed this should I bring this up in the conversation I will be having with them over the telephone nothing was ever explained to me about the ppi and especially not that I would be paying interest on top of ppi ppi it was sold as not an option but having to take it out

[Deleted User]

Clairejones123 wrote: »

I have logged a complaint with lloyds but didn't mention the consolidation chain as I only now have noticed this should I bring this up in the conversation I will be having with them over the telephone

I'm not sure why you are planning to ring them, but the only important part of your complaint is that the PPI was front-loaded onto a consolidation chain of loans. They'll clearly be able to see this from their records which your SAR confirmed they still have.

There is no need to try and add amendments to your complaint after you've already sent it, nor to ring them during the eight weeks they have to consider your complaint.

Just sit back and wait for their response..

Clairejones123

Thanks for reply I'm not gunna ring them I meant when they ring to discuss the complaint sorry if I'm not making any sense this is all new to me thanks for your advice