LloydsTSB Privacy Guard PPI?

R4AL

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.

[Deleted User]

Privacy Guard isn't PPI, so you can't make a PPI complaint about it.

dunstonh

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?

antrobus

Deleted_User 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.

StopIt

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.

[Deleted User]

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!

R4AL

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.

[Deleted User]

It's entirely different from Payment Protection Cover. There's no overlap in cover.

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