Goldfish PPI - I have evidence, Lloyds still deny I had PPI!

[Deleted User]

norfolkbroadslim wrote: »

It's interesting that some people seem desperate to make claims about the FOS, but no-one is prepared to comment on the main issue I have with Lloyds.

If you remain dissatisfied with the Bank's response to your complaint, refer it to the Ombudsman.

It is not for anyone here to adjudicate on their behalf, but it is well known that their call operators encourage every caller to refer their complaint.

Current waiting time is still eighteen months, but this will fall rather than rise as the peak complaint period has now passed.

dunstonh

It's interesting that some people seem desperate to make claims about the FOS, but no-one is prepared to comment on the main issue I have with Lloyds.

Sorry, I didnt think you were coming back as post #3 indicated you wouldnt. I was posting for the benefit of others. Not you.

-taff

norfolkbroadslim wrote: »

I have not come from any other forum or website and I am not some easily influenced individual that would believe anything that I read..

Where are you reading all these horror stories then?


Anyway...yes your RPI is most probably PPI.

LDamyandNight

Sorry is this si too late to help you!
I have come across the same issue as you on this and it looks clearly like Lloyds have form at denying that PPI existed on these loans.
Lloyds acquired the personal Loan book from Goldfish. It is clear that the loans were sold with Payment protection. Past posts are asking you to prove you paid the PPI. This is nonsense. You only need to prove that you were not aware that you had PPI or that you did not need it (life insurance cover, critical illness or work related policy that would have enabled you to keep up payments.
Lloyds denied the existence of this product when I claimed. Then when confronted with information I had obtained from a branch, they then denied that there was any PPI. I eventually had to complain to the FOS to investigate.
You MUST persevere as this is a war of attrition. The bank (with full knowledge of the FOS and FCA) and doing everything in their power not to repay PPI that they Miss-sold. The only thing you can do is Not give up!!

societys_child

LDamyandNight wrote: »

. The only thing you can do is Not give up!!

You're resurrecting some very old threads. This one's almost 5 years old and the OP hasn't logged in for over 2 years!
Welcome to the forum, keep up the good work.

[Deleted User]

Is it half term?

Sandra_moffat

I have a letter from Northern Rock with the redemption amount to be repaid in 2000. A covering letter from my solicitor and the mortgage account number . Northern Rock are saying they cannot find either my husband or I as clients even though the redemption statement letter has all the details from them on it. Do I give up or take to the ombudsman?

[Deleted User]

The Ombudsman won't have any details of your mortgage account.

If neither you nor NR have the records, there's nothing you can do.

dunstonh

Sandra_moffat wrote: »

I have a letter from Northern Rock with the redemption amount to be repaid in 2000. A covering letter from my solicitor and the mortgage account number . Northern Rock are saying they cannot find either my husband or I as clients even though the redemption statement letter has all the details from them on it. Do I give up or take to the ombudsman?

Not sure what this has to do with Goldfish.....

most NR mortgages were put in place via estate agents and mortgage brokers. if that was the case with you then NRAM wouldnt know anything about your insurances.

MPPI details wouldnt appear on mortgage paperwork or on mortgage statements or the redemption letter. So, none of that helps you.

The FOS have no access to your mortgage details. So, they wont be able to help you either.