IDAWARE and PrivacyGuard sold by Lloyds

NickyRich

In 2008, I was sold Privacy guard which later became ID Aware by Lloyds TSB. I paid a direct debit for over 2 years which I stopped when I changed my bank account package.

I've found an article online which said that these policies weren't worth the paper they were written on and were mis sold. Lloyd TSB has been less than helpful. Has anyone successfully claimed their fees back please?

Thanks in advance for any help.

societys_child

"an article online" says it was mis sold . .



Can't argue with that, it must be true.

[Deleted User]

NickyRich wrote: »

Lloyd TSB has been less than helpful.

If you cancelled the insurance nine years ago you will now be likely time-barred from complaint. Is that what you mean when you say they are not "helpful"? Or is it that you have no documentary proof of this policy and neither have the bank?

To be fair, these types of card insurance were indeed of little use and basically a cash cow for the Banks. However, I doubt you'll have much luck in getting a refund now.

NickyRich

Moneyineptitude wrote: »

If you cancelled the insurance nine years ago you will now be likely time-barred from complaint. Is that what you mean when you say they are not "helpful"? Or is it that you have no documentary proof of this policy and neither have the bank?

To be fair, these types of card insurance were indeed of little use and basically a cash cow for the Banks. However, I doubt you'll have much luck in getting a refund now.

Thanks for your reply. I have all the documentation my end. The bank found my direct debits etc but they had no idea why I would have been paying it.

-taff

Was privacy guard their version of CPP? If so, as above, unlikely to get it back. No harm in asking though,
.
And if you read the guide on claiming back bank charges, that was also published by Martin Lewis but holds no weight now because of changes in the law.

Nasqueron

If it's CPP under a different name, the refund process has been closed


You can try and complain but as above cancelling 9 years ago will fit the 3 and 6 year time bar rules so they could also rule it out that way