Lloyd's provided print outs of Mortgage details but have deleted PPI records entry

SarahinFrance

Help required please as we don't know where to go next . . .
We took out a mortgage with Lloyds, 1995 with PPI which we were told was an obligatory requirement to qualify for mortgage by their mortgage advisor. The mortgage was redeemed in 2004.
We opened a claim with Lloyds 2015 (delay in complaining as we didn't think that we had a case as the PPI was a 'compulsory' condition).
We pursued Lloyds throughout 2016 as they insisted that they could not find records of our mortgage, even though we had account numbers and payment details.
We obtained copies of documents and screen prints of the mortgage data entry via the Lloyds records department separately and coincidentally the screen print of the PPI details show that the entry has been deleted from the system (coincidentally 15th July 2016 is listed as the last amendment date on the PPI screen), although all of the other mortgage details are still 'in tact'.
Why would Lloyds need to amend records of a policy which they maintain 'they have no records of'? . . .
We know that we had PPI.
I have read somewhere that Lloyds codes contain a specific reference if the product is sold with PPI - does anyone know how to identify these? We are hoping that the records that remain prove the inclusion of PPI but we don't know how to prove/demonstrate this.
We live in hope that someone can help . . . Thank you.

BorisThomson

There is nothing wrong with MPPI being a requirement of the mortgage. You had the choice whether to accept that or get a mortgage elsewhere.

If that's you're only reason for complaint you should give up, you don't have grounds for a successful complaint.

-taff

The fact that it's been deleted should tell you why theyhave no records.
Records are supposed ot be kept for a reccomended 6 years. They've deleted yours. After 13 years you're trying to find them.
If you have no records of PPI paid, they definifitely haven't, your complaint is over.
And they were allowed to insist on PPI as compulsory, so again, no complaint there.

[Deleted User]

SarahinFrance wrote: »

We took out a mortgage with Lloyds, 1995 with PPI which we were told was an obligatory requirement to qualify for mortgage by their mortgage advisor.

It's a common fallacy that an obligatory requirement of PPI is mis-selling. It's not.

It's only if you were told the PPI was compulsory and it actually wasn't that you can complain the PPI was mis-sold.

As the others have said, though, all this is moot if neither you nor the Bank have any records of PPI.

You seem to have suspicions that the Bank have deleted the records simply to stop you complaining but, without any concrete evidence of that, such allegations can have no foundation.

SarahinFrance

Thank you everyone for your input and comments, I appreciate some informed guidance. It's such a frustrating minefield particualrly when you feel that you have possibly been taken advantage of.
It is obviously my misunderstanding; I was under the impression that the bank were obliged to let us know that there were other options available for payment protection, not just the Lloyds product that we were automatically signed up for.
I am still puzzled as to why they amended our PPI record page/entry last year when they maintain that we did not have PPI . . . I may never know . . .

[Deleted User]

SarahinFrance wrote: »

I was under the impression that the bank were obliged to let us know that there were other options available for payment protection, not just the Lloyds product that we were automatically signed up for.

That's like expecting Tesco to tell you that it is cheaper in Asda!

-taff

They may not have amended it. If you check an old file on a computer, it changes the date. May be the same thing.

[Deleted User]

-taff wrote: »

If you check an old file on a computer, it changes the date.

Yes, and it will show an "amendment" simply because it has been opened and then saved for future reference.