Lloyds Loan Protection Terms pre 2003

BoGoF

You might get more answers over on the Insurance board.

fwor

Amanda4242 wrote: »

I tried to make a claim in 2001 when I found out I had a heart condition

Amanda4242 wrote: »

I was diagnosed 2 years after I took my loan out - in 2003

This doesn't make sense - how could you make a claim for a heart condition 2 years before you were diagnosed with that heart condition?

It sounds as though Lloyds think you had evidence of the medical issue before you took the loan, so it's probably a good idea to ask them why they think that.

But I would strongly recommend that you make sure that your account makes sense (in terms of dates) before you speak to them again!

Bermonia

Having re-read your post I would suggest that it is highly likely that any complaint to FOS would be time barred if your complaint relates to the declined claim in 2001 - 18 yrs later is a just a tad too late, even if considered the 2003 date you supplied it would still be too late.

There is either a lot more to this story than you are telling, or you are simply wasting your time on a fruitless endeavour.

Amanda4242

fwor wrote: »

This doesn't make sense - how could you make a claim for a heart condition 2 years before you were diagnosed with that heart condition?

It sounds as though Lloyds think you had evidence of the medical issue before you took the loan, so it's probably a good idea to ask them why they think that.

But I would strongly recommend that you make sure that your account makes sense (in terms of dates) before you speak to them again!

That was me typing fast. I took my loan out in 2001, was diagnosed in 2003 and the year 2003 is when I tried to make a claim.