Lloyds PPI claim gone wrong?!

LloydsFraud?

Hello there - wonder if I could get some advice on the following:

Encouraged by a couple of friends successful PPI claims, my wife contacted Lloyds, with whom she had a credit card 10-15 years ago now. I had told her to contact Lloyds directly, having read that you could claim yourself without having to involve costly third parties

She believes that she rang the PPI line on the Lloyds website adn they said they would send out paperwork for her to complete. when it turned up, it was from iSmart - she was a bit wary of the fact the paperwork wasnt from Lloyds, so rang up again to be told it was OK as they were handling this for them.

She has been told that there is a claim, and signed and returned the forms Thursday, the same day iSmart sent her a letter telling her not to talk to Lloyds if they made her an offer and to sign to this effect. At this point, she has realised that iSmart are not just an outsourced company helping Lloyds process complaints and I have been digging about on the internet - there are a few horror stories about iSmart and I am concerned that between Lloyds and iSmart she ahs been effectively duped into making this claim through them, thinking that she was in effect handling this directly with Lloyds herself.

Given she has signed forms authorising them to act, but they will not ahve had time to take any action, is there anything we can do to stop the wheels that are in motion?

At first, I couldnt fathom that Lloyds would want anything to do with these companies (which is why no alarm bells rang) - any advice welcome!

dunstonh

She believes that she rang the PPI line on the Lloyds website adn they said they would send out paperwork for her to complete. when it turned up, it was from iSmart - she was a bit wary of the fact the paperwork wasnt from Lloyds, so rang up again to be told it was OK as they were handling this for them.

ismart are a Claims management company (CMC) and are not employed by lloyds.

At this point, she has realised that iSmart are not just an outsourced company helping Lloyds process complaints and I have been digging about on the internet - there are a few horror stories about iSmart and I am concerned that between Lloyds and iSmart she ahs been effectively duped into making this claim through them, thinking that she was in effect handling this directly with Lloyds herself.

Does she know how she took the original call? i.e. did she make it or did they call pretending to be from Lloyds? There have been reports of cold calling companies pretending to put people through to the bank but it goes to someone in the CMC who pretends to be the bank.

Given she has signed forms authorising them to act, but they will not ahve had time to take any action, is there anything we can do to stop the wheels that are in motion?

She should complain to the legal ombudsman about they way they have lied to her.

LloydsFraud?

Cheers for the swift reply! As far as she is telling me, she went onto the Lloyds website and rang the 0800 number there, rather than any cold calling being involved - I only have her word for that, but it would be odd for it not to be the case, especially given I recall her making that second call about the paperwork to check it was legitimate (at this point I kick myself for not gettng involved, but assuming that she was talking to Lloyds reassured me the worst that could happen was she would just get a knock back).

Now that she has sent the authorisation forms for them to act (but only just this Thursday), are we in time to just call the whole thing off with them? Tell them we no longer wish to pursue it (many such things you sign up to ahve a cooling off period where you can change your mind? is that the case here?)

magpiecottage

Yes you can cancel it. You have fourteen days from signing to do so (provided that she did not "sign" anything electronically beforehand).

However, if you back this up with a complaint that you were lied to then they are very likely to drop matters quickly regardless.


Howe

welshgasman

Is there any way you can check your calling records.?

The Lloyds line via a google appears to be 0800 151 0292 and it is then confirmed on their website. All calls would be recorded as well.