PPi payout despite previous payment

lizpanter1

I previously made claims against Lloyds for PPi. I was successful and was paid out. 

With the deadline approaching I decided to throw everything at a claims company in case there were any claims I had forgotten about. Unsurprisingly I had a number of companies return saying no PPi. However Allay said they had found some through Lloyds. I agreed for them to pursue even though I felt I had nothing left to claim. 

To my amazement I have just received a letter from Lloyds paying me out for PPi. I subsequently have to pay 24% to Allay. All fine as it is now money I wouldn’t have had if I hadn’t engaged Allay. 

My question to yourselves is why didn’t Lloyds find this PPi payment when I engaged them previously and had they investigated my claim correctly I would not be having to pay 24% of the claim to someone else. 

Do you think I have a case to answer and what route if I do would you suggest I go down? 

Many thanks for your time. 

[Deleted User]

No, you have no case to answer.

You could have used the free route but chose not to.  

lizpanter1

But I did. My initial claim was through the free route. I asked Lloyds to look at all accounts, loans and credit cards I had with them. They payed out and case closed. 

I now have been paid out more which means they clearly didn’t investigate my case thoroughly the first time (through the free route) 

[Deleted User]

You didn't. Your second effort was the costly route.

New information becomes available which wasn't available at the time of your first complaint.  You didn't need to pay the second time.  But once you decided to, you were committed.

dunstonh

My question to yourselves is why didn’t Lloyds find this PPi payment when I engaged them previously and had they investigated my claim correctly I would not be having to pay 24% of the claim to someone else. 
The banks went through old archived data in the later years and brought it back on line to be found by staff.  

Do you think I have a case to answer and what route if I do would you suggest I go down? 
none whatsoever.   It is made clear to you that paying a company to use the free-of-charge complaints process means you pay them. Not the bank.

But I did. My initial claim was through the free route
And the claims company used the same free method as well.  Effectively, they just put a stamp on the envelope and sent it to the same address you would have used.   You could have done exactly the same.