Lloyds Letter Advice Needed

distraught_traveller

Hi All,

I found out that I had PPI on my credit card when I took it out in 1997, the reason I took this was as I was told it would speed up the application, I never made any claims or I was not out of work.

I have had two telephone calls from Lloyds asking about my circumstances around that time i,e was I in work, do I have any medical history, which I said I was in work and medically I am fine.

Recently I received a letter which I don't really know what to make of? They say due to the complexity of the case they require a further 8 weeks to make a decision, it says I could refer the case to the Ombudsman but they might not look at it as it's been over 6 years, or I'm complaining more than 3 years after I realised.

BTW I do not own the credit card in question anymore, any advice would be most appreciated.

[Deleted User]

Just wait the further period they have requested.

Referring your complaint to the Ombudsman now will not speed the process up, more likely just delay it further.

dunstonh

They say due to the complexity of the case they require a further 8 weeks to make a decision, it says I could refer the case to the Ombudsman but they might not look at it as it's been over 6 years, or I'm complaining more than 3 years after I realised.

That is a contradictory response. The 3/6 year rule is for timebarring. If they are timebarring then they wont consider the complaint. If they are still investigating the complaint, there is no reason to apply the time bar.

However, the early bit of the text is your standard wording for a case that needs longer time to get the response. So, you wait.