Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Jd23845
    • By Jd23845 17th Jul 17, 3:46 PM
    • 14Posts
    • 3Thanks
    Lloyds - Time lasped
    • #1
    • 17th Jul 17, 3:46 PM
    Lloyds - Time lasped 17th Jul 17 at 3:46 PM

    Hoping for some more help re PPI please

    Been waiting for a reply from Lloyds regarding two loan accounts for a while. Today I receive a letter advising they wrote to me in April 2014 and they only have to give me 3 years from this date.

    Now I don't recall ever receiving letters like this and the address they currently write to me at is my parents, where they say this letter went, I didn't live at my parents for a period in 2014 however I'm pretty sure my parents would have passed on any mail that came.

    Further to this I did write to them in March this year asking for details but got no reply. I then made a complaint through resolver in June which prompted their investigation.

    Is there anything I can do?
Page 1
    • dunstonh
    • By dunstonh 17th Jul 17, 3:52 PM
    • 92,564 Posts
    • 59,860 Thanks
    • #2
    • 17th Jul 17, 3:52 PM
    • #2
    • 17th Jul 17, 3:52 PM
    Is there anything I can do?
    Explain to them that you never got the letter in 2014. Its a long shot but they may decide to waive it.
    Also, explain to them that you complained in March 2017 and query why you never got a response. Again, its a long shot.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Jd23845
    • By Jd23845 28th Aug 17, 11:19 PM
    • 14 Posts
    • 3 Thanks
    • #3
    • 28th Aug 17, 11:19 PM
    • #3
    • 28th Aug 17, 11:19 PM
    So just after writing this I provided a letter showing my correct address. I then received a letter stating their final reply was attached (which was a copy of the original letter). I emailed them several times stating there was no mention of the letter I provided, I received no reply. I called the helpline and was told I would be called back, I wasn't.

    I then referred this to the Ombudsman who acknowledged my complaint last week. On Friday I got a call from Lloyds who stated they had not been ignoring me and trying to contact me for several weeks (lies). Anyway they have overturned the decision and my case is now with the calculation team, the money will be deposited into my bank account by transfer.

    Does anybody know how long this should take, not to sound impatient but they have dragged it out long enough. I'm very I'll at the moment and the money would come in very useful.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

60Posts Today

1,414Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin