Mortgage PPI claim, Lloyds bank issues

ladymaisie

In February 2018 I contacted LLoyds bank to check for PPI and was really surprised when they said I had PPI on my mortgage account (then a joint account with my ex husband). I continued with the claim and myself and my ex have been in regular contact with Lloyds answering questions and giving them as much info as we can. Being self employed my ex always refused PPI because he said it wasn't worth it, consequently neither of us had PPI on any of our our accounts with Lloyds (spanning 30 years) expect for this one time which we were both unaware of. So this was a genuine claim. Anyway time has dragged on and I contacted Lloyds again in Sept to find out what the hell was going on and they had apparently sent out a letter (which neither of us received) saying they did not feel we had a claim against them. I asked them to re-issue the letter, again, nothing! So I called them again and have finally received a copy of the letter they said they sent in Sept which states that they had actually sent a letter in April with their original decision, neither of us received this letter either!!! It now looks like we have no time to go to the FOS because we only have six months to appeal from their original letter.. What the hell is going on!! Has anyone else had this problem?

-taff

Have you moved? Did you give them the correct addresses?


And it's an absolute claims company lie that you did not know about PPI.
If you had it with your mortgage then you would have signed for it, and there would have been a massive paper trail. You just forgot about it.

Nasqueron

PPI usually covered the self employed, particularly for a mortgage. There would be an extensive paper trail showing you agreed to it.

If they rejected it and it's passed 6 months then your complaint is over as it's time barred, if the bank has proof of posting and sent to your correct address then they will not entertain re-opening it. Most mortgage PPI complaints are rejected anyway if it's any consolation

dunstonh

Most MPPI complaints fail. So, you shouldnt be too disappointed.

If the address was correct then the letters are deemed to have been sent.

[Deleted User]

ladymaisie wrote: »

In February 2018 I contacted LLoyds bank to check for PPI ..... I contacted Lloyds again in Sept to find out what the hell was going on and they had apparently sent out a letter (which neither of us received)

Which beggars the question of why you left it fully seven months before chasing this up? The Bank had eight weeks to respond fully and finally and they would have informed you of that in their acknowledgement of your complaint. So when you allegedly failed to receive a full and final response, why did you leave it?

Regardless, your complaint reason was very weak given that there would be a very thorough audit trail proving that you both knew and agreed to the insurance at the time you took out the mortgage. If you truly didn't realise you had the policy then you are guilty of just signing anything put in front of you or you've forgotten about it. The insurance was not simply added without your knowledge or permission.

If the Bank agrees(which is unlikely), you may still be able to refer your complaint to the Ombudsman. However, you'll need to have very compelling reasons as to why you failed to chase the result of your complaint for so long. Of course, even if you do get to do so, the likelihood is that FOS will side with the Bank.

Sorry.

dunstonh wrote: »

If the address was correct then the letters are deemed to have been sent.

..and therefore received.

Nasqueron

Moneyineptitude wrote: »

..and therefore received.

2 working days after posting (if sent first class)