Got paperwork back from Lloyds...

Orville

Moneyineptitude wrote: »

I think your original post has been read and understood by all respondents. Your problem is that you appear to think that documentation is all you need to support your complaint. However, nowhere in that SAR will it say that the insurance was mandatory and so it won't help your complaint at all.

I never thought that at all hence my original question where i say that i am thinking i have no grounds for a claim, which is why i messaged asking for some advice.

I was maybe thinking that the cross may have already been filled out in the insurance box on my original paperwork. Which i am sure it was. This is why i questioned it in the first place. However they don't have the agreement



Have a nice day.

Nasqueron

Orville, you need to look into strong complaint reasons such as having PPI included in the loan total - single premium is a big no no. Unfortunately bank SARs just have to give you info it doesn't need to be sorted into meaningful format. This might be one for a financial expert maybe at the CAB or someone specialist

[Deleted User]

Orville wrote: »

I was maybe thinking that the cross may have already been filled out in the insurance box on my original paperwork. Which i am sure it was.

If that was the case, then that's a complete contradiction of your earlier assertion that you were told you must have it in order to get the loan!

You really need to provide robust and above all honest complaint reasons if you want the Bank to refund your PPI.

[Deleted User]

Nasqueron wrote: »

This might be one for a financial expert maybe at the CAB or someone specialist

No one at the CAB will be able to translate this DSAR into a meaningful PPI complaint. The OP never asked the Bank if there was PPI and instead chose to spend £10 on paperwork he doesn't need. All the documents prove is that the Bank will not reject any complaint on the basis that there are no records.

Orville

Moneyineptitude wrote: »

If that was the case, then that's a complete contradiction of your earlier assertion that you were told you must have it in order to get the loan!

You really need to provide robust and above all honest complaint reasons if you want the Bank to refund your PPI.

Jees,

The box was filled out, I questioned it and they said i had to have it for the loan to be approved. It really is quite simple my friend...

And the reasons i have given are honest.

Jesus why do people such as yourself proove to be such hard work?. Do you enjoy being flippant and non constructive with your help. Why are you even on here.

You must have a very sad life m8, especially with that amount of posts.

Have a nice evening.

Orville

Nasqueron wrote: »

Orville, you need to look into strong complaint reasons such as having PPI included in the loan total - single premium is a big no no. Unfortunately bank SARs just have to give you info it doesn't need to be sorted into meaningful format. This might be one for a financial expert maybe at the CAB or someone specialist

Thank you for a helpful and non flippant post. :j

[Deleted User]

Orville wrote: »

The box was filled out, I questioned it and they said i had to have it for the loan to be approved. It really is quite simple my friend...

You'll have a very hard time proving that kind of accusation.

I'm only as "difficult" as the Bank's complaint assessor will be, but you won't get to tell him or her they live a "sad life".

I'll leave you to it...

Orville

Moneyineptitude wrote: »

You'll have a very hard time proving that kind of accusation.

I'm only as "difficult" as the Bank's complaint assessor will be, but you won't get to tell him or her they live a "sad life".

I'll leave you to it...

Why be as difficult as the banks assessor will be?. Why be flippant and bordering on rude..? Just say the assessor will need more proof then what you have as the paperwork you have been given does not contain the necessary documentation to support a claim.

Jees...


Thank you.

[Deleted User]

Orville wrote: »

Why be as difficult as the banks assessor will be?.

Obviously so that you know what mistakes to avoid if you do actually make a complaint.

This is a discussion forum, not a helpline, please don't confuse the two.

Anyway, I've really had enough now. Find your own way.

Orville

Moneyineptitude wrote: »

Obviously so that you know what mistakes to avoid if you do actually make a complaint.

This is a discussion forum, not a helpline, please don't confuse the two.

Anyway, I've really had enough now. Find your own way.

Then if you are doing that my friend why not say you are?. People aren't mind readers you know.

I think i shall...

Good Day.