LloydsTSB Privacy Guard PPI?

Hi All

I would appropriate some advice on a potential PPI claim for Privacy Guard from Lloyd TSB, the policy was was sold to me on the phone in 2009 as I was informing them of going on holiday.

Its has been costing me £6.99/Month and it Rany will Jan this year, at which point I cancelled it.

I Cancelled it as I have an other payment protection cover which is Simply called "Payment Protection Cover"

So my question is, is it something that I can claim back? or will I just be wasting my time?

any advice will be greatly appreciated.

Thanks in advance.

Replies

  • zx81zx81 Forumite
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    Privacy Guard isn't PPI, so you can't make a PPI complaint about it.
  • dunstonhdunstonh Forumite
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    I would appropriate some advice on a potential PPI claim for Privacy Guard from Lloyd TSB

    As Privacy Guard is not PPI, why would you make a complaint about PPI?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • antrobusantrobus Forumite
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    zx81 wrote: »
    Privacy Guard isn't PPI, so you can't make a PPI complaint about it.

    It isn't even insurance by the looks of things.:)

    It appears to be a service that offers access to your credit report amongst other things.

    https://www.privacyguard.co.uk/

    I expect that you could complain that Privacy Guard was mis-sold. There appear to be some older threads here on MSE on the subject.
  • StopItStopIt Forumite
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    Did the explain what the policy was when you took it out? if so, you have no grounds for mis-selling, and it's your duty to cancel it if you didn't want it after your holiday.


    There is a current ongoing issue with "Value-Added" accounts where people were told that they "had" to get certain paid account features or not asked if the perks were even appropriate for them. In these cases there are grounds for reclaiming the fees but if you went on holiday and you were asking if you wanted extra protection (Questionable or not!) and took it, you're on shaky ground.


    You can always ask the bank though, if you're a long standing customer they may strike a deal with you, especially if it's clear you've never made use of the services.

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
  • [Deleted User][Deleted User] Forumite
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    R4AL wrote: »

    a potential PPI claim for Privacy Guard from Lloyd TSB,
    You need to understand that the term "PPI Claim" is not an umbrella name for any complaint! If you feel the service was somehow mis-sold to you, then of course you can complain about it, but it won't be a complaint about PPI!
  • R4ALR4AL Forumite
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    Sorry I may have miss used the term PPI.

    The service was sold to me on the premise that I will be needing it to protect myself while abroad. incidentally it was sold to me over the phone as I was informing my bank that I was going overseas, i should also mention that I travel a lot for be it holiday or work and it kinda made sense to keep it.

    The reason I think it was mis-sold is that I already had payment protection cover from lloyds that would have protected me should anything happen, essentially rendering privacy guard useless.

    Thank you all for your replies, your feed back is most appreciated.
  • zx81zx81 Forumite
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    It's entirely different from Payment Protection Cover. There's no overlap in cover.

    You would need a different (accurate) mis sale reason.
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