Account numbers quoted on Lloyds letter

Interpol69 wrote: »

So how do you find out when you've rung the Bank and they can't tell you if any of the products they've listed on their letter had PPI?

I recall having ppi on at least one card and one loan but can’t recall the providers. I’ve filled out as much of the questionnaire as I can, the parts about my personal circumstances at the time the product was taken out can be more or less completed in full as this is the same regardless of ppi or not. The part about ppi I have filled in using my memory of the ppi I had, I have noted on the form that as it’s so long ago I could be confusing it wit another company.

They will use the records they hold and the information you provide to make a decision, if you aren’t happy with the decision then that’s when you take it further.

That would be a false assumption.
Logical, yes, but false nonetheless.

LBG made one customer that I know of pay a fair amount for probate documentation, before they would talk to her about her husband's PPI. Turns out, he did not have any PPI on any of his products.

So don't get your hopes up.

louey wrote: »

I have exactly the same issue. My next step was to phone them to find out details of the timings of the loans/credit cards. I assumed that if they had account numbers then they had PPI on them? Otherwise why send the forms.

Lloyds, Halifax and Bank of Scotland all send out forms as soon as you make a PPI enquiry. The forms do not give you any details other than partial account numbers - and it’s impossible to comment on the circumstances of the sale if you don’t know which account the letter refers to, or indeed if there was even PPI on the account. I have rang and got the info, but some staff were reluctant to give it out.

So just to find out if you had PPI you have to give them all the info in advance about why you feel it was midsold. How can you be honest and accurate and comment on a PPI sale before they even confirm you were sold PPI in the first place??

So many people I know said they did it all through Resolver hassle-free, but I’ve had to make umpteen calls to companies who aren’t on Resolver, or the Resolver form (and often their own website’s PPI tool) doesn’t work!

True - but I mean questions like “Where did you work at the time? How long had you worked there? How did you apply for the card?” - obviously these are different depending on the card/product involved.