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  • FIRST POST
    • ashby32
    • By ashby32 6th Jul 18, 12:46 PM
    • 5Posts
    • 1Thanks
    ashby32
    Lombard Direct...Where are you now
    • #1
    • 6th Jul 18, 12:46 PM
    Lombard Direct...Where are you now 6th Jul 18 at 12:46 PM
    Well here we go again , help needed to reclaim PPI from our old friend Lombard Direct.
    We all remember the tv adverts where the big yellow phone and a number to remember for year to come. Call 0800 2 15000. The great 2000s were a time of phone loans and being a home owner there was plenty to choose from. The mail reason with Lombard was that it could be done so easy over the phone and with very little grief, One call did all, Friendly affordable and simple forms .
    I think this advert got to many of us out there and a i have read there were hundreds if not thousands of us that had a loan. Now to get to the point , when it comes to the dreaded reclaim of there PPI its a complete nightmare , pillar to post from one bank to the other one person get no blinking where...ARRRR.... Holding in my hand and for all to view the paperwork back from 2004 and 2006 account numbers and bank details and even.......how much insurance i had to pay...Bang/Bonus every thing in one place how easy can this get. Well after hours and grey hairs i still cant get anywhere , so for this reason help is needed. My first question is simple ( has anybody been able to reclaim money back. Question 2. Who and what bank now holds the rights to Lombard direct money ( this one is a well kept mystery ). And the last but the most important is Has anyone/body had anything back....??.
    Last edited by ashby32; 06-07-2018 at 12:46 PM. Reason: spelling
Page 1
    • campbell19925
    • By campbell19925 6th Jul 18, 12:49 PM
    • 146 Posts
    • 181 Thanks
    campbell19925
    • #2
    • 6th Jul 18, 12:49 PM
    • #2
    • 6th Jul 18, 12:49 PM
    Well here we go again , help needed to reclaim PPI from our old friend Lombard Direct.
    We all remember the tv adverts where the big yellow phone and a number to remember for year to come. Call 0800 2 15000. The great 2000s were a time of phone loans and being a home owner there was plenty to choose from. The mail reason with Lombard was that it could be done so easy over the phone and with very little grief, One call did all, Friendly affordable and simple forms .
    I think this advert got to many of us out there and a i have read there were hundreds if not thousands of us that had a loan. Now to get to the point , when it comes to the dreaded reclaim of there PPI its a complete nightmare , pillar to post from one bank to the other one person get no blinking where...ARRRR.... Holding in my hand and for all to view the paperwork back from 2004 and 2006 account numbers and bank details and even.......how much insurance i had to pay...Bang/Bonus every thing in one place how easy can this get. Well after hours and grey hairs i still cant get anywhere , so for this reason help is needed. My first question is simple ( has anybody been able to reclaim money back. Question 2. Who and what bank now holds the rights to Lombard direct money ( this one is a well kept mystery ). And the last but the most important is Has anyone/body had anything back....??.
    Originally posted by ashby32
    Lombard Direct has been part of the The Royal Bank of Scotland Group since 2000.I suggest you contact them over this issue, or use a CMC to do it for you.
    • ashby32
    • By ashby32 6th Jul 18, 12:57 PM
    • 5 Posts
    • 1 Thanks
    ashby32
    • #3
    • 6th Jul 18, 12:57 PM
    • #3
    • 6th Jul 18, 12:57 PM
    Done that and go a lovely letter from them today, There saying its with Nationwide........Really...... and ofcouse Nationwide come back with.......No its the RBS Group you need to contact.
    • campbell19925
    • By campbell19925 6th Jul 18, 1:00 PM
    • 146 Posts
    • 181 Thanks
    campbell19925
    • #4
    • 6th Jul 18, 1:00 PM
    • #4
    • 6th Jul 18, 1:00 PM
    Done that and go a lovely letter from them today, There saying its with Nationwide........Really...... and ofcouse Nationwide come back with.......No its the RBS Group you need to contact.
    Originally posted by ashby32
    It's definitely RBS mate.

    Get a CMC to do an initial free no obligation check for you - let them do the hard work - then do it yourself (the claim that is), thats what I would do in your situation.

    Make sure it is an initial check is with no obligation and don't sign a contract tying you down to do a resulting potential claim.
    • Nasqueron
    • By Nasqueron 6th Jul 18, 1:14 PM
    • 5,965 Posts
    • 3,610 Thanks
    Nasqueron
    • #5
    • 6th Jul 18, 1:14 PM
    • #5
    • 6th Jul 18, 1:14 PM
    What a load of guff, do not use a CMC, they don't do anything that you can't do
    • campbell19925
    • By campbell19925 6th Jul 18, 1:33 PM
    • 146 Posts
    • 181 Thanks
    campbell19925
    • #6
    • 6th Jul 18, 1:33 PM
    • #6
    • 6th Jul 18, 1:33 PM
    What a load of guff, do not use a CMC, they don't do anything that you can't do
    Originally posted by Nasqueron
    Have you even read what the OP has said? CMC can been useful to use for free they do a lot of the digging and might help find the finance in this case as obviously the OP is struggling
    • ashby32
    • By ashby32 6th Jul 18, 1:35 PM
    • 5 Posts
    • 1 Thanks
    ashby32
    • #7
    • 6th Jul 18, 1:35 PM
    • #7
    • 6th Jul 18, 1:35 PM
    i have been successful with other claims with out using any claims company ( Barclays ect ect ) but Lombard are being a right pain. Never give up my old dad said....
    • TrickyDicky101
    • By TrickyDicky101 6th Jul 18, 2:18 PM
    • 3,192 Posts
    • 2,103 Thanks
    TrickyDicky101
    • #8
    • 6th Jul 18, 2:18 PM
    • #8
    • 6th Jul 18, 2:18 PM
    Have you even read what the OP has said? CMC can been useful to use for free they do a lot of the digging and might help find the finance in this case as obviously the OP is struggling
    Originally posted by campbell19925
    I'm intrigued what you imagine a CMC would do in the way of 'a lot of digging'? Do you imagine they have access to loan/policy details not available to anyone else?
    • antrobus
    • By antrobus 6th Jul 18, 2:34 PM
    • 16,209 Posts
    • 23,079 Thanks
    antrobus
    • #9
    • 6th Jul 18, 2:34 PM
    • #9
    • 6th Jul 18, 2:34 PM
    Lombard Direct has been part of the The Royal Bank of Scotland Group since 2000.I suggest you contact them over this issue, or use a CMC to do it for you.
    Originally posted by campbell19925
    Lombard has been part of Nat West since, I don't know, as long as I can remember. RBS took over Nat West in 2000 and Lombard came with it.

    Any PPI complaint starts here.
    https://www.fca.org.uk/ppi/contact-lombard

    5 seconds on Google.
    • Nasqueron
    • By Nasqueron 6th Jul 18, 3:42 PM
    • 5,965 Posts
    • 3,610 Thanks
    Nasqueron
    Have you even read what the OP has said? CMC can been useful to use for free they do a lot of the digging and might help find the finance in this case as obviously the OP is struggling
    Originally posted by campbell19925
    lolol

    Nope, a CMC sends the same SAR or garbage generic complaint to everyone and hopes for the best. They CANNOT access your records and cannot do any "digging" without a signed LOA just as I cannot ring up your bank and get your details.

    A CMC uses the same complaints process you use yourself, they have zero special powers and in many cases harm your complaint
    • ashby32
    • By ashby32 6th Jul 18, 8:01 PM
    • 5 Posts
    • 1 Thanks
    ashby32
    Now it's Natwest..... Really...
    Just like to say thanks for everyone's information about Lombard Direct I guess NATWEST are going to get a phone call on Monday or do you think it's better filling out there form.

    Let's hope we have some good news on Monday.

    • ashby32
    • By ashby32 4th Aug 18, 7:49 PM
    • 5 Posts
    • 1 Thanks
    ashby32
    Well good afternoon my dear friends at MSE//// Just a quick update on my Lombard direct loan.
    Today i had a letter saying i have been given a sum of money for being miss sold PPI on a loan going back to 2012/2014. The first think is that its been hard work lots of phone calls and emails but the problem doesnt stop there,. I was informed that RBS have no hold over Lombard Loans , here we go again . The second time i explained that if you look up on this web page it states all loans and responsibility are with Natwest/RBS are part of the same group.
    To cut a long story short a loverly letter saying you have 182.84 plus 189.92 take away 37.98 income tax the total is 334.78 this is great the next letter says.
    we have found a loan you had for 4300.00 and was miss sol;d PPI again and we are giving you.
    347.97 plus 426.60 take away 85.32 and a grant total of.....689.25.
    My question is should i take the first offer or refuse.....i wait for the answers................
    • -taff
    • By -taff 4th Aug 18, 8:01 PM
    • 8,690 Posts
    • 7,972 Thanks
    -taff
    Redress is defined. There is no 'first' offer, it's the only offer.
    • Moneyineptitude
    • By Moneyineptitude 4th Aug 18, 9:41 PM
    • 22,471 Posts
    • 12,026 Thanks
    Moneyineptitude
    Today i had a letter saying i have been given a sum of money for being miss sold PPI on a loan going back to 2012/2014.
    Originally posted by ashby32
    PPI for loans had long since ceased being offered by Banks six and four years ago?
    To cut a long story short a loverly letter saying you have 182.84 plus 189.92 take away 37.98 income tax the total is 334.78 this is great the next letter says.
    we have found a loan you had for 4300.00 and was miss sol;d PPI again and we are giving you.
    347.97 plus 426.60 take away 85.32 and a grant total of.....689.25.
    My question is should i take the first offer or refuse
    Originally posted by ashby32
    Sounds like a Plevin refund of undisclosed commission rather than a full refund, but again your dates are far too recent.

    As above, refunds and redress are not negotiable so this is not a "first" offer.
    • Nasqueron
    • By Nasqueron 5th Aug 18, 1:57 PM
    • 5,965 Posts
    • 3,610 Thanks
    Nasqueron
    PPI for loans had long since ceased being offered by Banks six and four years ago?

    Sounds like a Plevin refund of undisclosed commission rather than a full refund, but again your dates are far too recent.

    As above, refunds and redress are not negotiable so this is not a "first" offer.
    Originally posted by Moneyineptitude

    I'm guessing the loan was one that started long before the PPI scandal and ended in 2012/14. Lombard Direct weren't above doing long chain/consolidation loans, there's an example on MSE of someone who started in July 1997 with a 4 loan chain ending in Feb 2008! I saw another post from a Lombard loan with PPI taken out in 2004
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