Ppi claim call with bank

Lucy57

hiya,

Currently claiming back ppi through a claims company. I have three claims with Lloyds. I can't even remember taking 2 of the 3 loans out let alone the circumstances around agreeing to ppi. Lloyds want to speak to me, not sure what to say, have no idea how much these loans were for!!

Any advice?

Nasqueron

You are claiming a miss-sale - there is every chance that the CMC has made up a bunch of stuff on top of whatever complaint reasons you gave so check with them what they claimed.

Answer the questions honestly and if you don't know, say so.

They probably want to check things like work benefits, savings etc to see if the PPI was suitable and if you could have survived without it if you were on long term sick leave or lost your job

Lucy57

Thanks for reply, I'm sure the loans were in the realms of hundreds rather than thousands of pounds! Would it help to contact claims people and see how much the loans were for?

Nasqueron

Lucy57 wrote: »

Thanks for reply, I'm sure the loans were in the realms of hundreds rather than thousands of pounds! Would it help to contact claims people and see how much the loans were for?

Quite possible they don't know, CMCs are not specialists, they just fill in the form that everyone fills in and post it off - I would ask them what they put on the complaint form and explain the bank will call to ask about the complaint

Insider101

Nasqueron wrote: »

Quite possible they don't know, CMCs are not specialists, they just fill in the form that everyone fills in and post it off - I would ask them what they put on the complaint form and explain the bank will call to ask about the complaint

They will almost certainly start trying to tell the OP not to speak to the bank. They don't like people answering questions as it usually exposes they lies they told on their original letter.

That said, if you have a valid case you will be refunded. That's the purpose of the phone call.

addedvaluebob

Insider101 wrote: »

They will almost certainly start trying to tell the OP not to speak to the bank. They don't like people answering questions as it usually exposes they lies they told on their original letter.

That said, if you have a valid case you will be refunded. That's the purpose of the phone call.

What lies? You have absolutely no evidence of this at all and on the day when Clydesdale is fined 20 million plus for corporate lying and deception it is a bit rich to accuse an unknown and unnamed third party of being a liar

Insider101

addedvaluebob wrote: »

What lies? You have absolutely no evidence of this at all and on the day when Clydesdale is fined 20 million plus for corporate lying and deception it is a bit rich to accuse an unknown and unnamed third party of being a liar

The evidence is personal experience. I have personally seen any number of PPI complaints through a third party where exactly the same letter has been sent word for word for hundreds of different customers, listing exactly the same, often contradictory, allegations. I have seen any number where customers have taken a call from the case handler and said that they were told by the CMC not to speak to them. I have seen any number where the client has spoken to the case handler and it had become evident very quickly that the initial letter was a work of fiction. Some of these people have been refunded regardless for other reasons, but not if they don't have a valid case. You're correct, unfortunately I have not been able to extract a copy of confidential customer files so I can post them on an internet message board several years later. However, I can assure you it happens. Regularly.

I have even seen CMCs include a line in their letter of authority which states (to paraphrase) "your claim may be jeoparised if you speak to the provider over the telephone. Please inform us straight away if they attempt to contact you". Making out as though the case handler contacting the customer to discuss things first hand is somehow wrong, rather than an integral part of good complaint handling.

As for your comments about it being "a bit rich" to call a spade a spade, this is utter nonsense. I don't work for Clydesdale Bank and have no affiliation with them whatsoever. Therefore, I fail to see what their FCA fine has to do with anything?

Nearlyold

I think Insider means the lies CMCs put into most of their complaints whereby they list every conceivable miss-sale reason (whether they apply or not to that particular customer) and which are often contradictory


Whoops Insider beat me to it!

HAL_9000_2

addedvaluebob wrote: »

all and on the day when Clydesdale is fined 20 million plus for corporate lying and deception it is a bit rich to accuse an unknown and unnamed third party of being a liar

This is a classic account of adding 2+2 = 7 as well as mixing unrelated issues together.

Read my account of dealing with Yorkshire/Clydesdale:

https://forums.moneysavingexpert.com/discussion/5219849

Despite the delays, I WILL get compensation and I did it all by myself and won't have a CMC taking 30% (plus an additional 20% of their cut in VAT) of what

May I ask a question, why the unstinting support of CMCs? One can only draw the conclusion you have a vested interest.

Marty...

magpiecottage

addedvaluebob wrote: »

What lies?

That, presumably, is what Lloyds is trying to find out. If there are none then the CMC has nothing to fear from Lloyds exercising its right to ask the complainant to tell them direct rather than playing Chinese whispers

-taff

Personally, I wouldnt talk to thm, because you have no way knowing what the claims company said in the complaint, which may mean you'll end up contradicting them, which is then an easy refusal for the bank.

Unless you paid single premium?