I had my own Income Protection. Can I reclaim this from my loan companies?

specifically told them not to put PPI on them and I took out my own 3rd party income protection to cover me. Could I claim this back from Lloyds as well as the PPI?

no you cannot. Lloyds are only responsible for products and services they put in place. Not those of third parties.

Painey wrote: »

I recently found out that Lloyds had put PPI onto all 5 of my loans without my knowledge. The final 2 loans were so large that I specifically told them not to put PPI on them and I took out my own 3rd party income protection to cover me. Could I claim this back from Lloyds as well as the PPI?

So you had PPI "without your knowledge" on three loans (even though it would have been clearly itemised in all the Agreements you signed), then failed to notice that PPI (which you didn't want) was also on the final two loans but then took out separate insurance anyway ???:eek:

I'm not even seeing the first three PPI policies were mis-sold, let alone the final two. On what basis do you think you would you be able to complain to Lloyds about policies that were not purchased from them?

Note also that Insurance is not somehow going to be refunded to you simply because you didn't suffer a claimable event...

You may well receive a refund of the PPI you purchased from Lloyds, but you have precisely zero chance of also having your Income Protection refunded by Lloyds.

If you also have a valid complaint about the Income Protection you chose to purchase, you need to complain to the seller- not Lloyds I'm afraid.