He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.
Lloyds do not make a charge on PPI redress payments. So, you must mean someone else is asking you.
We don't have access to what letter or information you have received. So, we cannot say.
As Lloyds do not charge, you are either being scammed or you are mixing up a third party with Lloyds. For example, did you agree to employ and pay a claims company to use the free-of-charge complaints process? Is the letter from them?
New plans have just been announced by the Government
DON'T assume your landlord covers you
Incl £2ish sun cream & £1.50 disposable BBQs