Banks said i had no PPI - do they lie?

Nasqueron

wideboy09 wrote: »

I don't suppose it would, im just asking to see what you guys would think, maybe theyd get away with lying less on paperwork as opposed to saying something over the phone. I know I have been told so many lies over the phone by Lloyds tsb but none via the written letter. nevermind it was worth asking you guys I suppose


The £10 was for a list of transactions and charges for a current account too - I was repeatedly charged £20-£35 for going into an unplanned overdraft by a quid or two when I had financial difficulty a number of years back.

Don't mix up a front line staff member who doesn't have access to old systems who can't see any evidence for it with lying (lying is a big accusation when it could just be a mistake) - it won't help your cause to get the bank staff against you by accusing them of lying.

Best thing is just to look through statements on the CC and see if there is an entry for PPI and then proceed with your complaint after that

jamesperrett

Lloyds seem to have records going back to about 1994 - or at least they did in my case.

Insider101

wideboy09 wrote: »

I was talking about sending off a reclaim form as I was worried they'd not been honest about there being no ppi. they can only say no.


And no offence but I wouldn't lose too much sleep if it ended up wasting an hour of the companies time who have wrongfully sold millions of ££££'s to thousands of people lol.


And not that's its any of your business but I have a good job in the oil industry and work months on end at 84 hours per week, you don't know me so don't say such presumptuous things and try to be less rude.

By sending what you call a "reclaim form" off you are making a complain alleging that they have missold you a product. You do realise the form asks questions such as "how was this insurance sold to you", "how did you pay for the insurance", "what happened when you took out the insurance", "why are you now unhappy with the insurance"? How are you going to answer any of those when you didn't even take out insurance?

Realistically, in my experienced view, most of the people who were genuinely missold the product have been sorted out years ago. The "complaints" coming in now are simply try-ons such as you are apparently about to do and people put up to it by CMCs. You are not just wasting the time of a bank who you have no reason to think have done any wrong to you, but those who have genuine complains and are being delayed because of try-ons like this.

If you have a good job then fair enough but I don't see what would motivate someone in that position to make a blatant try-on complaint against someone who has not done them any wrong. In my view, your actions are a damning indictment of the compensation culture which now pervades this country. If that sounds rude then so be it, I am just telling it the way it is.

wideboy09

Insider101 wrote: »

By sending what you call a "reclaim form" off you are making a complain alleging that they have missold you a product. You do realise the form asks questions such as "how was this insurance sold to you", "how did you pay for the insurance", "what happened when you took out the insurance", "why are you now unhappy with the insurance"? How are you going to answer any of those when you didn't even take out insurance?

Realistically, in my experienced view, most of the people who were genuinely missold the product have been sorted out years ago. The "complaints" coming in now are simply try-ons such as you are apparently about to do and people put up to it by CMCs. You are not just wasting the time of a bank who you have no reason to think have done any wrong to you, but those who have genuine complains and are being delayed because of try-ons like this.

If you have a good job then fair enough but I don't see what would motivate someone in that position to make a blatant try-on complaint against someone who has not done them any wrong. In my view, your actions are a damning indictment of the compensation culture which now pervades this country. If that sounds rude then so be it, I am just telling it the way it is.

I assume a "try-on" is a chancer? if so then that is fair enough, I suppose me asking if its a good idea to send the form in anyway is chancing.


I only wanted to make sure that they would have been honest with me and trying to get something im not entitled to is certainly not what I want or what im trying to achieve

WatchMan

Sometimes they lie.

Sometimes they don't perform proper checks.

However most of the time, when they say there was no PPI, they are correct.