PPI Reclaiming successes and failures

Miss_Marple_2

suarez wrote: »

Anybody kwow if i stand a chance on these claims. Thx

I had my complaint upheld on a loan that started in 2001 and finished in 2005 ( although I do have a current loan that paid of the remaining balance of that one). I didn't send any paperowrk - I just told them my loan number.

PINKLINT

amersall wrote: »

Hi there,go back to Black Horse and tell them you had sick cover etc and you could have repaid the loan regardless so you had no need for this ppi.

Reiterate the fact the salesperson said for you to take it as the loan would not be approved,put that you were loan mortgagee,poor credit etc as you have stated here,but still you were told to take this,name the person who said this to you and ask them to reconsider as you believe you have been made out to be a liar, as the bank dont believe what was said to you by a member of their staff.

Thanks Amersall have spent the weekend make some notes on what i am going to put in letter to BH but just wondering can I quote the various guidance notes on the FOS website on how a claim should be looked at even if they were covered by the FOS at the time I took out the loan?

guyman

please help, don't know if I'm in right place, I have always refused ppi's and they have never been shown on any repayments I have ever made but I am being told that they could have hidden any charges in the interest even though the payments were what was agreed on the form or phone. can this be true ?
sorry if I got this in wrong place

thanks

di3004

SkiBum wrote: »

Well, need some advice folks. Received a letter from Lloyds TSB re my PPI claim on my CC. It's an offer of 131.88, I'll write that again 131.88! Apparently 'due to the passage of time' they no longer have detailed records on my account. Strange really as I'm still paying into it and getting statements although it is no longer active. Has anyone else received the like?
I've sent an email to the usual suspects at Llyods (CEO, Customer Complaints, Andrea Barry, Graham Davies) outlining my thoughts:

I refer to your letter at above reference offering 131.88 in order to bring my complaint to a conclusion, I have today tried to call the stated number but have found the office to be closed. As stated at reference the reason you have made the offer of 131.88 is that 'due to the passage of time' you no longer hold any detailed records relating to my credit card account. I find this admission rather bizarre as the account although not active, is still receiving payments from me and I receive paper statements each month.

Compounding the confusion I am feeling as to your decision is the fact I received a letter from you dated 30 Aug 11 upholding your ref CC/*****, loan account blaaaaah, which ran from 2000 until 2005. Records concerning this account must have been available for you to reach this decision in my favour; it is therefore not beyond reasonable thought or lawful process to believe that records pertaining to my Credit Card account, which was in operation over the same period are in existence either in hard copy or stored as data.

In a previous email to you I stated that I was cognisant of the relevant legislation with regards to data protection as these are guidelines that I have to adhere to myself, therefore, I am conscious of your retention policy that was legalized in January 2005 by the FSA in regards to record keeping and storage and destruction of data. I am also aware that documents are not destroyed once the 6 years retention is completed as they are stored in a centralized location. I am further aware that it is your discretion as to how long you keep the data, post 6 years. Ergo, records from 2005 should be readily available to you.

I am presuming that records pertaining to my credit card have been destroyed or lost, your letter at reference does not make clear which is the case. I am somewhat concerned by this as I have not received details and dates of any destruction certificate pertaining to destruction relating my details, or, any data signed and/or certified from the Data Security Officer that should have been bestowed to me to officially state that my personal data has been officially destroyed. Should it be the case that destruction certificates or other certified documentation is held I would be most grateful if you could forward copies of said documentation to me. I presume that this request may need a Data Subject Access Request or a FOI request, I would be grateful if you could advise and also advise any cost involved.

I have contacted the ICO and FSA to gain advice with regards to my complaint who have advised me to speak with you again in regards to this complaint. Consequently I do not consider this complaint to be closed and request that this matter be further investigated, taking due note of the contents of my previous paragraphs.

What do you guys think? Used some phrases above gleaned from here.

Hi there

That does seem a rather low offer considering your circumstances, and I think your right in writing to them to bring this to their attention.

I was about to mention a SAR, hopefully you will receive the details you require from the data dept within the business, then request they relook into the offer. It did also come to mind of it being a mistake, yet I am not sure, but its certainly a low offer.

SAR template letter here.
https://forums.moneysavingexpert.com/discussion/1475553

And address of where to send the request...

LLOYDS TSB BANK PLC
DSAR TEAM
CUSTOMER SERVICES
RECOVERY TEAM
CHARLTON PLACE C57
ANDOVER
HAMPSHIRE
SP10 1RE

I would definately question on this again, good luck on this and please keep us posted, cheers.

di3004

Dizzywithmoney wrote: »

Was just wondering if anyone had actually received their cheques from First Plus yet. It is 6 weeks next Wednesday that they received our acceptance back so I was just wondering if they do take the full 8 weeks or will it arrive between the 6-8 weeks!

Hope you receive yours very soon honey, good luck.;)

di3004

suarez wrote: »

Anybody kwow if i stand a chance on these claims. Thx

Hi and welcome

Many have made successful reclaims via Lloyds even from the 90's accounts sold, so you do stand a chance with the reasons you have.

How long ago did you send off your complaints?

The FSA have give extra time for the main of the banks, and this stands now at 12 weeks, although they will try to resolve sooner, good luck and keep at them.;)

di3004

guyman wrote: »

please help, don't know if I'm in right place, I have always refused ppi's and they have never been shown on any repayments I have ever made but I am being told that they could have hidden any charges in the interest even though the payments were what was agreed on the form or phone. can this be true ?
sorry if I got this in wrong place

thanks

Hi there

Don't worry you are in the right place.
If PPI was sold to you, then you would have details of this shown on the loan agreement, if your not certain on this, you could request for a copy of the agreement by writing a simple letter, ask that they provide you with a copy by 12 day and enclose £1 cheque or postal order.

The other way to be sure is to request a Subject Access Request (SAR) where if PPI was sold to you, there should be details of this somewhere in the paperwork.
If you decide to want to SAR them, there is a letter template below you can use, you enclose £10 cheque or postal order, they have 40 calendar days to comply.
https://forums.moneysavingexpert.com/discussion/1475553

Hope this helps, good luck.;)

Red_peppers

conkerlily123 wrote: »

Thanks Peppers

You too x

I wrote to them on the 16th September, I rang them on the 20th to see if they had received the letter, but they said not. Not had a reply from them yet, but am gonna chase it tomorrow.

Did you get a reply from Bob?

I'm sure that we will get our results turned in our favour! There are so many Firstplus wins coming through, I don't know how ours could have been rejected , fingers crossed for us both

Lily

I sent the letter on the 13th September and then emailed bob about the 19th not had any reply from either.

If there's nothing in the post tomorrow I will ring them to find out what's going on.

Oh and I resent the email to bob on Friday morning

Fingers crossed for both of us

suarez_2

di3004 wrote: »

Hi and welcome

Many have made successful reclaims via Lloyds even from the 90's accounts sold, so you do stand a chance with the reasons you have.

How long ago did you send off your complaints?

The FSA have give extra time for the main of the banks, and this stands now at 12 weeks, although they will try to resolve sooner, good luck and keep at them.;)

Thanks Di,posted them yesterday including pre ticked loan agreements and credit card statements showing ppi payments so hopefully they cant dispute the claim.

smitchy73

PINKLINT wrote: »

Thanks Amersall have spent the weekend make some notes on what i am going to put in letter to BH but just wondering can I quote the various guidance notes on the FOS website on how a claim should be looked at even if they were covered by the FOS at the time I took out the loan?

Hi Pink, Yes you can quote the FSA guidance to them, FOS is the Financial Ombudsman Service and FSA is the Financial Services Authority, so even covered by FOS it is expected that companies who weren't regulated at the time should now look at the guidance as relevant to them, so yes quote them, most will comply, it may mean that if they reject your complaint you may not be able to go to FOs, but many many people have been succesful with pre 2005 sales complaints including myself.