Lloyds Credit Card PPI - Claim Rejected, what next?

Nasqueron

They have 40 days from receipt to respond as it's been 35 days it may be worth a quick call but after 40 days you should complain to them and to a manager.

Beyond that you can complain to the ICO if they don't respond:

http://www.ico.gov.uk/for_the_public.aspx

[Deleted User]

Border_Collie wrote: »

Could they be just hoping that I'll give up and go away

They cannot do this, you have a legal right to whatever information (if any) that they still hold on file for you

Border_Collie wrote: »

or will it take some time for them to gather information?
Thanks again.

It certainly isn't just a case of calling up your details on a computer screen.

They have 40 days to respond and it's only been 35.

jeff2102

Just to let you know my Lloyds PPI was rejected I rang up and logged my thoughts, then posted a copy of conversation this was then actioned and re investigated. My claim was upheld and cheque received 3 months after the second investigation. If you do actually think you were missold then ask them to look into it again and they will.

[Deleted User]

jeff2102 wrote: »

If you do actually think you were missold then ask them to look into it again and they will.

I'm afraid your circumstances are rather different to those of the user who started this thread...

Border_Collie_2

Update Stressed and tearing my hear out after 3 hours on the phone to Lloyds. As I've not received a response to my S.A.R. request (50 days), I phoned again. The bottom line is ...the bank has lost my letter. I have proof of delivery, but they said I'd sent it to the wrong place & I'd have to re-send it to Andover. The form, copied from this site, does request that if it goes to the wronf person, then they will need to forward it to the correct recipient.
Had a big argument with a guy who sounded like an American robot. He insited that I had phoned Loyds in 2012 regarding PPI on my card & accused me of lying when I insisted that I didn't and that I hadn't been aware of PPI unti the next year. Eventually, I got to speak to a very decent Scotsman who told me all the facts in about 2 minutes. Apparently, in 2012 Lloyds didn't wait for customers to complain about PPI, but instigated their own investigation & had put a small sum (£18.54) directly into my bank as compensation.
I've lodged a complaint about the SAR form going missing and another SAR will be sent off. They've compensated me for extra postage & phone calls too.
Hopefully, I'll hear something by early next year.....I just hate overseas call centres!!!

Border_Collie_2

After sending 2 SAR's, with Royal Mail failing to get a signature for both occasions and then declaring the 2nd one to be lost (it had actually got to Lloyds safely), I did receive all the info I needed. The first one was actually lost be either Royal Mail or Lloyds & I had to stop the cheque. Fair do's to Lloyds, I received around 1,000 sheets of A4 documents from them, with absolutely everything there, all my bank statements, credit card transactions, loans + terms and conditions for each. There were also notes on each and every phone call I made, all going back to the year 2000. I found out that the card I had maxed out on was issued in 1976 and, as they said, didn't have PPI on it.
The things that really annoyed me are that Lloyds PPI people made it so difficult to start with by issuing multiple reference no's and combining 2 accounts under 1 number, plus one of their agents got annoyed with me because I couldn't understand his poor English. When I last rang to say that I wasn't taking things any further, he told me that they had already decided that they wouldn't be paying out anything....which is odd as their last letter to me in Sept said that my claim was still being investigated.
Anyway, I'm satisfied that I'm not entitled to any compensation and that's all I needed to know.