PPI Reclaiming successes and failures

[Deleted User]

little_diamond wrote: »

It's what I intend to do if I don't have a decision in the next 2 weeks. Could someone pm me the CEO email address of Lloyds please, so I have it ready. Thanking you kindly.

broomhill wrote: »

thanks i think that is proberley the way. if you get email for them could you let me have it.

Others who have had success with E-Mails to the CEO (myself included) were experiencing delays with payouts which were already agreed.
I sincerely doubt you'll get anywhere with complaints about delays in receiving a decision at all. Remember, if the Bank have not responded within eight weeks then you can then refer your complaint to FOS.
If the Bank have informed you that there is a further delay to their response then there really is no point in making further contact with the Bank until the additional delay period has passed.

If I was at WEEK 29 without any response, however, then I'd have to conclude that a FOS referral was inevitable.

little_diamond

broomhill wrote: »

thanks i think that is proberley the way. if you get email for them could you let me have it.

Yes, I will do that for you as soon as I get it.

[Deleted User]

little_diamond wrote: »

Yes, I will do that for you as soon as I get it.

As I've said, only use this if you can genuinely complain that you have experienced delays and not been kept informed of them. Expect a response telling you to go to FOS otherwise.

MrPaulSir

Follow up to original rejection of PPI complaint sent to Lloyds TRUSTEE savings bank, TRUSTEE in capitals as they clearly are not trustworthy!

The original rejection reason I was given is as follows -

“I can confirm that it has never been a requirement to take out a PPI policy in order for a credit card application to be accepted. In addition, taking out a PPI policy would not have improved the chances of your application being accepted.

I am also aware that the Consumer Credit Agreement clearly demonstrated to you that your PPI was optional and I have concluded the adviser did not mislead you in any way.

I have come to the conclusion that you were made aware of the optional nature of your PPI policy.”

My reply, which is still awaiting acknowledgement -


With reference to the quoted paragraphs above, if I was made aware of the optionality of PPI in the Consumer Credit Agreement then surely every person that has had some form of PPI cover on their loan or credit card will also have been aware therefore the conclusion is that either –

(a) I am being discriminated against by the person who made the decision, or

(b) No persons should be repaid any of their mis-sold PPI as everybody should have received the Consumer Credit Agreement and been made aware they had the option of taking or cancelling the PPI policy.



So, big wig banks, either you have paid out a good few million pounds in error, knowing fine well that every customer should have received the CCA (consumer credit agreement) and therefore the onus is on the customer and is no fault of the banks, or, you just pick and choose and say no to a few people in the hope they will go away....

I am certainly not going away!!

Also, the person that works for Lloyds TSB that made the decision on my claim also runs their own finance company in the Manchester area.

Is that not a severe conflict of interests in that the staff member has access to lots of financial records which they could utilise for their own benefit and try to gain potential clients to give finance to? Maybe I'm being picky, but I used to work for HMRC and I'm not allowed to work in the Taxes business for 2 years after LEAVING for the reason that I may still have knowledge of certain cases/company/individual that I may be able to remember and then contact them for potential business...... hmmm.

broomhill

Moneyineptitude wrote: »

Others who have had success with E-Mails to the CEO (myself included) were experiencing delays with payouts which were already agreed.
I sincerely doubt you'll get anywhere with complaints about delays in receiving a decision at all. Remember, if the Bank have not responded within eight weeks then you can then refer your complaint to FOS.
If the Bank have informed you that there is a further delay to their response then there really is no point in making further contact with the Bank until the additional delay period has passed.

If I was at WEEK 29 without any response, however, then I'd have to conclude that a FOS referral was inevitable.

thanks for that today i was thinking about going to FOS as we are just getting no joy when we call. and this week is 29

[Deleted User]

broomhill wrote: »

thanks for that today i was thinking about going to FOS as we are just getting no joy when we call. and this week is 29

You have far more patience than many others here. Have you received anything on paper to say the complaint was upheld, or just the 'phone call about it being "calculated"?

[Deleted User]

MrPaulSir wrote: »

My reply, which is still awaiting acknowledgement -

A reply from you to a "full and final" response from the Bank is a waste of your time. If they take a further eight weeks to confirm their original conclusion (as they doubtless will) , that will be 2 months your complaint could have been at the queue for FOS adjudication.
Here is the next complaint stage you should already be at:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step4

Do be aware that "hearsay" complaints such as yours are virtually impossible to prove.

MrPaulSir

Thanks, it has definitely been a good 9 weeks now so off to the Ombudsman I go!

I'll let you know in a few months how I get/got on

[Deleted User]

MrPaulSir wrote: »

I'll let you know in a few months how I get/got on

Expect to wait a year or more, I'm afraid...

broomhill

Moneyineptitude wrote: »

You have far more patience than many others here. Have you received anything on paper to say the complaint was upheld, or just the 'phone call about it being "calculated"?

no we have had 1 letter to say that they were looking into claim and a call to ask why we thought we were missold. then its been me calling them. and they say that its still being looked at.