PPI Reclaiming successes and failures

amersall

di3004 wrote: »

My emails received from Lloyds Customer care over the last few weeks.....

Thank you for your recent e-mail sent on the 5th July 2010.

I can confirm that you will receive the £261.57 (premium paid), £1299.19 (settlement difference) and £989.36 (8% interest). All three payments should enter your account as one amount.

Please feel free to contact Customer Care if you have any further queries.

Kind regards,

Lloyds TSB Customer Care.

Thank you for your patience while I have calculated the refund on the Loan Protection Insurance Policy on the above loan. I have received your signed acceptance slip and can now confirm the details of your final refund. I have calculated your refund so that you are now back in the position that you would have been had you not taken out this policy.
Please allow up to 21 days for the refund to reach your account(s).
Your refund will include the following;
1) £261.57 - this is the amount that I have calculated that you paid for the policy during the period that the policy was active. When making this calculation I have only taken into account the actual payments that you made. This may be different to the payments set out in your original loan agreement, for example the figure may differ if you missed a payment.

2) £989.36 - this is an additional payment of 8% simple interest which we have calculated on the amount that you paid for the policy during the period it was active.

3) As you settled your loan early, I have also calculated the difference between the settlement balance you paid and what your settlement balance would have been if you had not taken out the policy. We will pay you this difference of £1299.19 with an additional payment of 8% simple interest.
Your refund will be paid directly to your current account.
I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.
I trust that you are satisfied that your concerns have been addressed and would like to take this opportunity to thank you for contacting Customer Care.
Yours sincerely




Thank you for your recent e-mail sent on the 9th July 2010.

I can confirm that the amount of £2550.12 will be credited into your requested current account.

Please do not hesitate to contact the Customer Care department if you have any further queries.

Kind regards,

Lloyds TSB Customer Care.




Thank you for your e-mail sent on the 20th July 2010.

I have double checked with a colleague who has again confirmed that the payment has definitely gone through. In order for you to help me investigate the matter further, please can you provide me with a copy of your bank statement?

I apologise as the initial refund figure that was given to you was incorrect. The correct amount that you will be receiving is £1553.40 as you have already received £996.72 when you early settled your loan on the 3rd August 2002.

I again apologise for any confusion and inconvenience caused.

Kind regards,

Lloyds TSB Customer Care.

What a bank :mad::mad: and they wonder why people dont trust them anymore!!!

di3004

amersall wrote: »

What a bank :mad::mad: and they wonder why people dont trust them anymore!!!

Yeah exactly, and I told them over and over again to check, they are total A**EHOLES.........:eek:

di3004

amersall, please could you do me a favour, as I am baffled by a post on another thread below, Mrs A, she would like something worked out but there seems to be some issues on a loan term, I am puzzled, maybe you could make it out, thank you honey.;)


Try this link here.
https://forums.moneysavingexpert.com/discussion/2627491

amersall

di3004 wrote: »

Yeah exactly, and I told them over and over again to check, they are total A**EHOLES.........:eek:

Ooh di :eek: didnt know you swore :D tut tut :rotfl::rotfl:

di3004

amersall wrote: »

Ooh di :eek: didnt know you swore :D tut tut :rotfl::rotfl:

See I do have a bad side to me.........:mad::mad::DLOL :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl: especially when it comes to that bank!!!:mad::rotfl::rotfl::rotfl::D;)X

amersall

di3004 wrote: »

amersall, please could you do me a favour, as I am baffled by a post on another thread below, Mrs A, she would like something worked out but there seems to be some issues on a loan term, I am puzzled, maybe you could make it out, thank you honey.;)


Try this link here.
https://forums.moneysavingexpert.com/discussion/2627491

Hi di taken a look, that does not sound right to me, this loan should only have 26 payments left but they have added extra months with interest? the mind boggles :eek:

di3004

amersall wrote: »

Hi di taken a look, that does not sound right to me, this loan should only have 26 payments left but they have added extra months with interest? the mind boggles :eek:

Thank you for looking and giving great advice amersall, I did not know what to have suggested for the best, but looking back on it, your right, there is something not right about that at all, so the advice you given, I do hope she follows.:T;)

amersall

di3004 wrote: »

Thank you for looking and giving great advice amersall, I did not know what to have suggested for the best, but looking back on it, your right, there is something not right about that at all, so the advice you given, I do hope she follows.:T;)

The stunts these banks pull are unreal :mad::mad: think i will open a bank and show em how its done :rotfl::rotfl::rotfl::rotfl:but i will sell extortionate ppi though :cool::cool: then i will be laughing all the way to the bank

di3004

amersall wrote: »

The stunts these banks pull are unreal :mad::mad: think i will open a bank and show em how its done :rotfl::rotfl::rotfl::rotfl:but i will sell extortionate ppi though :cool::cool: then i will be laughing all the way to the bank

Yeah do it :rotfl::rotfl::rotfl: that would be so so funny :rotfl::rotfl: go and sort em out amersall, I'm sure you will

smithy1976

di3004 wrote: »

Yeah do it :rotfl::rotfl::rotfl: that would be so so funny :rotfl::rotfl: go and sort em out amersall, I'm sure you will

Hi DI

Had you got anything from them over the phone, as they arnt asking for my money back as they had a record where they confirmed what i was getting, and then paid my that higher amount. I suppose after all that they could hardly ask for it back, after all i woudnt know which was the correct amont

one of the TL i spoke to even admitted, if they calculated it wrong, they are liable for the loss, and even admitted it i wasnt honest about the previous over payment it would not be picked up..

I will deffo not be mentioning there latest mess up, i just wont spend the money for a while