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Lloyds - confusion
Comments
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I can't fill in the questionnaires without this information.
Why not?And do I need to fill out the questionnaires at all, or is it better to write a template letter?
Template letters have a lower success rate (as people tend to tell lies on them by leaving fake reasons in them). Often the template is missing information and the bank just sends you this form again.
Template letters are an old-fashioned way to complain. The forms asking the relevant questions are the best way.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.0 -
Just fill it in to the best of your knowledge and provide whatever miss-selling reasons you have and any evidence you have to support your complaints
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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But unless I know when I took out the relevant loan/credit card I can't provide the information - It will determine whether I was on a short term contract or not. It asks lots of questions about who I was employed by and whether I had death in service benefits etc0
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Ring them up and ask them
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Sounds like you're not sure what reasons for complaint you may have?But unless I know when I took out the relevant loan/credit card I can't provide the information - It will determine whether I was on a short term contract or not. It asks lots of questions about who I was employed by and whether I had death in service benefits etc0 -
societys_child wrote: »Sounds like you're not sure what reasons for complaint you may have?
I may not have a complaint over all the PPI - it depends on when I got it. I was on a fixed term contract for some of the time period and a student so I'm pretty sure that it would not have paid out for unemployment in those circumstances. Later on I had a permanent job. It sounds like I need to phone them and see if they can give me more details.0 -
Usualy complant reasons are single premium on a loan or consolidated chain of loans.
CC PPI - didn't need it, could cover with savings, good sick pay, already covered elsewhere, not working enough hours to have it pay out, student, armed forces, policeman.Non me fac calcitrare tuum culi0
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