18000 from Lloyds.

daniel80

Hi can anyone understand this. A few years ago I used this website to claim back all my wife's ppi. We got quite a large sum back from Lloyd's. After repeated calls from the claim guy saying we can get you ppi back I gave in and told them to try. I explained I had previously done this all myself and had quite a large pay out from Lloyd`s and that they would be wasting their time. To cut a long story short they have told me that they have reclaimed £18k from Lloyd`s. As we have had no loans or anything since the last payout this seemed hard to believe. I phoned Lloyd`s to confirm this I told them that we had already been paid out but they said the new payment was correct and has been paid into our account today. We have to pay the claim guys 6.5k. I will pay this but how can Lloyd`s of missed this payment when I claimed a few years ago. If I thought there was more to be claimed I would of done it myself again and saved 6.5K. Can anyone explain how this could of occurred.

Insider101

daniel80 wrote: »

Hi can anyone understand this. A few years ago I used this website to claim back all my wife's ppi. We got quite a large sum back from Lloyd's. After repeated calls from the claim guy saying we can get you ppi back I gave in and told them to try. I explained I had previously done this all myself and had quite a large pay out from Lloyd`s and that they would be wasting their time. To cut a long story short they have told me that they have reclaimed £18k from Lloyd`s. As we have had no loans or anything since the last payout this seemed hard to believe. I phoned Lloyd`s to confirm this I told them that we had already been paid out but they said the new payment was correct and has been paid into our account today. We have to pay the claim guys 6.5k. I will pay this but how can Lloyd`s of missed this payment when I claimed a few years ago. If I thought there was more to be claimed I would of done it myself again and saved 6.5K. Can anyone explain how this could of occurred.

From what you have said your original complaint related to your wife's PPI. The complaint they have put in for you presumably related to a different policy. Maybe a loan when the original complaint was about a credit card. Maybe yours rather than hers. You don't "claim back" PPI you complain about the way the policy was sold to you. You may have been paid redress for the policy you originally complained about, but other products are a separate issue unless they are consolidated loans.

If you have not told them what you are complaining about or given complaint reasons they have probably just sent a template letter alleging all sorts of rubbish and got lucky that the bank found another fault. Either way they have a saying about gift horses and mouths. Get the holiday booked :beer:

daniel80

Hi Insider 101 I agree in all you have said and yes the holiday will be booked. But this claim was again for the Wife and again it was PPI. I have never had a loan or banked with Lloyd`s. Like I said my wife since the last payout has no Lloyd`s credit card or had a loan. Just can`t see how this was missed last time. Still happy though.

Insider101

It's not a case of it being "missed". If you complained that a particular policy was missold to your wife then the investigation will have surrounded that policy. If they then subsequently complained that a different policy was missold to her then that would be a whole new investigation. The policy doesn't have to have been taken since you last complained (indeed it likely wouldn't have been as most major banks stopped PPI some years ago). It might have been an earlier one which she had not previously complained about.

rebeccatom

Firstly, do not pay them anything until the money is cleared in your account.

If I were you, I would ask for a copy of all the offer letters and a breakdown of the agreement numbers, what type of agreements they were and the start dates. If you still have the old paperwork you can check to make sure it is not just a duplicate of the offers you recieved previously.

When PPI complaints first started the lenders would only look at the agreements they were specifically asked about. If a person "topped up", consolidated or refinanced a loan, they would not look at these other loans. Therefore anyone they has previously claimed should be going back and making sure that all of their agreements have been investigated, otherwise there could be more compensation due.