Account numbers quoted on Lloyds letter

Interpol69

Have sent a Resolver form requesting a search be made for an old credit card I had in the 90s with TSB that I believe I had PPI on.
Lloyds (not TSB) have replied with 2 letters (along with the long questionnaire loads of people have had). One letter details account numbers of 2 credit cards, and the other 3 loans I've had.
After ringing the helpline Lloyds are not able to tell me whether any of these products had PPI. Are they not meant to be able to advise this?
If I had PPI on any loan I wasn't aware of it...so clearly want to claim for mis-selling. Are these letters an acknowledgement of accounts that had PPI.....if they didn't wouldn't they just say that rather than sending a lengthy form to complete.

Nasqueron

Front line staff members won't have access to such old accounts, it's probably lucky they found any records at all for you given the age and even then they may only have account numbers - no reason for someone to need live access to an account opened 20+ years ago if it's not in use now.

There is nothing that can be assumed from your receipt of the letter, it's simply a PPI query which has triggered them sending the forms automatically.

Do note your complaint reason is perhaps the weakest going, PPI would have been charged as a separate item on every single credit card statement where you had a balance (didn't pay off in full each month) and on the loan details when you took it out. Not reading this doesn't mean you weren't informed you had it. Try and get stronger complaint reasons e.g. if you had good work benefits

Interpol69

Do you need a reason to make a claim?
To quote the main site..."even just having had it means you're likely due some cash back"

[Deleted User]

Interpol69 wrote: »

Do you need a reason to make a claim?

You need reasons to make a complaint, yes.

Interpol69 wrote: »

To quote the main site..."even just having had it means you're likely due some cash back"

That's a reference to the Plevin Ruling, for which your 1990's credit cards won't be eligible (even if you had PPI) unless you still held them post 2008.

Do you not have any Credit Card statements? If so, you can see if you paid PPI as it would appear on a separate line each month that your account had a balance. For the loans you would need sight of the Agreement you signed.

Otherwise, the Bank have sent you questionnaires which you should fill in and return.

Nasqueron

Interpol69 wrote: »

Do you need a reason to make a claim?
To quote the main site..."even just having had it means you're likely due some cash back"

Yes the whole thing is that this is a COMPLAINT not a CLAIM

A claim is what you do if you need the insurance to payout. They do not just give you money back because you ask. You make a complaint explaining why you feel it was miss-sold and see what they say

louey

I have exactly the same issue. My next step was to phone them to find out details of the timings of the loans/credit cards. I assumed that if they had account numbers then they had PPI on them? Otherwise why send the forms.

[Deleted User]

louey wrote: »

I assumed that if they had account numbers then they had PPI on them?

Never assume. Find out prior to complaint. Complaining about non-existent PPI is both futile and embarrassing.

Wanton

louey wrote: »

I have exactly the same issue. My next step was to phone them to find out details of the timings of the loans/credit cards. I assumed that if they had account numbers then they had PPI on them? Otherwise why send the forms.

I had the letter with multiple account numbers, so I phoned to ask about timings. One was from 2015 when I’m almost certain the card wouldn’t have had PPI as I’d have known about it due to all the press. So I think they just give you all account numbers you had with them.

[Deleted User]

Wanton wrote: »

I had the letter with multiple account numbers, so I phoned to ask about timings. One was from 2015 when I’m almost certain the card wouldn’t have had PPI

By 2015, all banks and credit card providers had long since ceased offering PPI at all. So you can be certain.

Wanton

Moneyineptitude wrote: »

By 2015, all banks and credit card providers had long since ceased offering PPI at all. So you can be certain.

Thanks, I thought this would be the case but didn’t want to provide incorrect information.

Interpol69

So how do you find out when you've rung the Bank and they can't tell you if any of the products they've listed on their letter had PPI?