We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help! Lloyds TSB PPI claim failed
Options
Comments
-
sunnysarah wrote: »Just had a letter back from the FOS this morning, which say they now uphold my complaint......
What a coincidence!
0 -
sunnysarah wrote: »So -taff and Moneyineptitude thanks for all the smug comments
So you complained and were turned down, then complained to the FOS and were turned down, then developed a childhood illness and complained again and were successful.
Not bad.
That there ^ was sarcasm. My original answer to you was plain english. If you need help interpreting what I say, read slowly and carefully.Non me fac calcitrare tuum culi0 -
Thanks for all your help, it was emotional!!0
-
The substance of a complaint or the allegations don't matter. The firm have a responsibility under DISP App 3 to review every possible failure and FOS do to. They'll have checked everything that could have gone wrong and worked out on the balance of probabilities whether or seems likely that anything did indeed go wrong. In this case they concluded most likely not.0
-
Until they did again?Non me fac calcitrare tuum culi0
-
The firm have a responsibility under DISP App 3 to review every possible failure and FOS do to.
As they did. The problem was that new information came to light after the rejection. It wasnt something going wrong. It was information not supplied until later.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Sadly the information that was supplied later was used to crowbar the medical data they already had of me. Lloyds TSB decided not to disclose the complete contract, file and medical information to the FOS, initially.
I'm not sure if it is classed as holding information!!0 -
sunnysarah wrote: »Sadly the information that was supplied later was used to crowbar the medical data they already had of me. Lloyds TSB decided not to disclose the complete contract, file and medical information to the FOS, initially.
I'm not sure if it is classed as holding information!!
Banks do not ask you for medical information on the majority of their products. How did they have that medical information on you in the first place?I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards