Lombard claim rejected - should I appeal?

Josiekate

Hello from a newbie.

I had a car loan from Lombard between 2003 and 2006 - so 36 monthly payments. I only recently realised that I had PPI (about £38 per month) on this. I made a claim to Lombard, but they have rejected it. Their argument is that I was aware of the terms and conditions at the time I signed for it.

There's no question that I did sign, but this was in the middle of a transaction where I was signing lots of things - to buy the car, trade in the old one, for the loan itself, etc. My feeling is that they kind of sneaked the PPI part through because I really had no idea that I had taken it out, but I don't see how I can prove that.

Should I go back to them? To the Ombudsman? Any help or advice gratefully received.

JK

Nearlyold

Did you arrange the loan yourself from Lombard or did the Car Dealer arrange it.

Josiekate

The car dealer arranged it. Was all done at the showroom.

Nearlyold

The Car Dealer who arranged it would normally be responsible for the sale but as its pre regulation they could just dismiss any complaint without even looking at it. Did Lombard actually admit they were responsible for the sale even though they say it was not miss sold or just send you a generic "nothing to do with us" letter. You could try referring your complaint to FOS but if Lombard were not responsible for the sale it looks like your on a long drawn out hiding to nothing.

dunstonh

I concur with nearlyold.

Lombard may be responding with a "everything set up as instructed" style response as they have no liability for the sale. So, the wording is important.

ALIBOBSY

TBH given that the ombudsman process is free to you, if you can take it forward I would.

I have had a number of PPI claims rejected by the lender, so far all but one have been either upheld by the ombudsman or the company have offered to settle via the ombudsman. In fact the only one turned down was purely on the fact they couldn't look at the company during the period the loan was taken out.

Good Luck

Ali x

-taff

The ombudsman cannot look at this one either, because the dealership would not have been regulated.

Josiekate

Very strange. Wouldn't the dealership be classed as an appointed agent? The forms I signed at the time were all Lombard forms, not the dealer's own.

dunstonh

Wouldn't the dealership be classed as an appointed agent?

Only if they were an appointed agent (as is often the case with major dealers using own-brand lenders). if they were free to use any lender then they are not an appointed agent of a particular lender.