PPI Reclaiming discussion Part II

marshallka

di3004 wrote: »

Thanks for this hun, and I will have another read shortly, just got back from the parents.:D
The old click who sold our loan was closed in 2006.;)

All these others stopped in June of this year as appointed representatives. Something going on here!!!???

di3004

marshallka wrote: »

All these others closed in June of this year as appointed representatives. Something going on here!!!???

I thought that too hun........:rolleyes: , something quite not right..... .

Pm'd ya.......:D

marshallka

di3004 wrote: »

I thought that too hun........:rolleyes: , something quite not right..... .

Pm'd ya.......:D

Di, i have sent another pm. read it quick.;)

di3004

marshallka wrote: »

Di, i have sent another pm. read it quick.;)

Wow just seen it hun, its lovely you should keep it on here.;) xx

(i thought I missed it) lol.

marshallka

di3004 wrote: »

Wow just seen it hun, its lovely you should keep it on here.;) xx

(i thought I missed it) lol.

No, can't really see it so getting rid now. I don't like myself and don't like piccys either. I will have to find a clearer one.

jools65

My partner is with LLoyds.

He had a loan refinanced at the banks suggestion to make repayments easier for 6 months while his bank balance recovered after £3500 went missing. He didnt pursue it with the fraud squad after they rang him to say chip and pin fraud didnt exisit and if one transaction came back as being him, they would do him for fraud instead.

At that time he had been seeing a GP about shoulder pain and had 2 steroid injections. If that didnt work he was to see a consultant about x-rays, ultrasound and possible surgery.

The bank was told all this, the day the loan was refinanced and as my partner was self employed, asked if he would still be covered in case he was off for an operation and recovery, or possible loss of his job. The answer he got was YES.

My partner did need an op and subsequently claimed on the insurance and was turned down based on it being a pre exisiting condition. He found out that the bank seller should have printed off a different "Summary and recommendations" sheet where his shoulder had been disclosed and advised that he would not be covered should he need to claim. In that event, he would have stuck with the original loan and not paid an extra £6500 for PPI as she did not explain that it was a new term of insurance starting with the new loan but implied that the insurance would be carrying on.

For myself, i personally think she was after the £500 comission for gaining the PPI, which was why he got false information.

Needless to say he claimed he was missold the PPI. He got offered a refund of PPI paid on the 1st loan (he hadnt signed for PPI) but turned down on the 2nd one as Lloyds said that there was no evidence to suggest that the seller had been told about his shoulder condition. Basically her word against his then.
Unfortunately, the PPI for both loans, were on the same letter under the same reference. If he had said yes to the repayment of the 1st PPI, he would be agreeing to their terms of not going further with is claim for the 2nd.

The matter has gone to the Financial Ombudsman as ultimately he lost his job, cant claim for loss of employment as they deemed that through the shoulder op and that had already been turned down and cant claim even the 1st PPI back due to the way they put it in their letter.

Lloyds is refusing to believe they have done anything wrong.

di3004

marshallka wrote: »

No, can't really see it so getting rid now. I don't like myself and don't like piccys either. I will have to find a clearer one.

Going by what I can see of it, its a lovely photogenic pic, you should learn to like yourself.;)

I don't like having piccies taken mind you.........:o .

When I was in my teens, I had all my hair cropped off to a skinhead....:eek: , when I had my first son then I decided to grow it back, it was agonising.....my father used to say I looked so common having a skinhead pushing a baby around in his pram.......:o

marshallka

di3004 wrote: »

Going by what I can see of it, its a lovely photogenic pic, you should learn to like yourself.;)

I don't like having piccies taken mind you.........:o .

When I was in my teens, I had all my hair cropped off to a skinhead....:eek: , when I had my first son then I decided to grow it back, it was agonising.....my father used to say I looked so common having a skinhead pushing a baby around in his pram.......:o

another on now. gone in a min

di3004

marshallka wrote: »

another on now. gone in a min

Aww that is sooooo lovely hun thanks.;) xx

sue149

marshallka wrote: »

You will be fine sue, you will have to be patient but shout if you need support. We are always around to help you through.

cheers thanks again