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    • louey
    • By louey 14th Sep 18, 2:54 PM
    • 10Posts
    • 2Thanks
    louey
    Lloyds - confusion
    • #1
    • 14th Sep 18, 2:54 PM
    Lloyds - confusion 14th Sep 18 at 2:54 PM
    I was fairly sure I had PPI on (at least) a loan from Lloyds bank in the mid-late 1990s so put in a request for them to find out whether I had PPI via their online form. This morning I got 2 letters through the post enclosing questionnaires. One relates to two account numbers that look like credit card numbers and one relates to two account numbers that may be loans. However, they have not sent me any information about what product/s they relate to or when I took out the PPI. I can't fill in the questionnaires without this information. Any suggestions? And do I need to fill out the questionnaires at all, or is it better to write a template letter?
Page 1
    • dunstonh
    • By dunstonh 14th Sep 18, 3:07 PM
    • 95,750 Posts
    • 63,450 Thanks
    dunstonh
    • #2
    • 14th Sep 18, 3:07 PM
    • #2
    • 14th Sep 18, 3:07 PM
    I can't fill in the questionnaires without this information.
    Why not?

    And do I need to fill out the questionnaires at all, or is it better to write a template letter?
    Template letters have a lower success rate (as people tend to tell lies on them by leaving fake reasons in them). Often the template is missing information and the bank just sends you this form again.

    Template letters are an old-fashioned way to complain. The forms asking the relevant questions are the best way.
    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.
    • Nasqueron
    • By Nasqueron 14th Sep 18, 3:35 PM
    • 5,935 Posts
    • 3,589 Thanks
    Nasqueron
    • #3
    • 14th Sep 18, 3:35 PM
    • #3
    • 14th Sep 18, 3:35 PM
    Just fill it in to the best of your knowledge and provide whatever miss-selling reasons you have and any evidence you have to support your complaints
    • louey
    • By louey 14th Sep 18, 5:16 PM
    • 10 Posts
    • 2 Thanks
    louey
    • #4
    • 14th Sep 18, 5:16 PM
    • #4
    • 14th Sep 18, 5:16 PM
    But unless I know when I took out the relevant loan/credit card I can't provide the information - It will determine whether I was on a short term contract or not. It asks lots of questions about who I was employed by and whether I had death in service benefits etc
    • Nasqueron
    • By Nasqueron 14th Sep 18, 8:11 PM
    • 5,935 Posts
    • 3,589 Thanks
    Nasqueron
    • #5
    • 14th Sep 18, 8:11 PM
    • #5
    • 14th Sep 18, 8:11 PM
    Ring them up and ask them
    • societys child
    • By societys child 14th Sep 18, 8:23 PM
    • 5,509 Posts
    • 6,150 Thanks
    societys child
    • #6
    • 14th Sep 18, 8:23 PM
    • #6
    • 14th Sep 18, 8:23 PM
    But unless I know when I took out the relevant loan/credit card I can't provide the information - It will determine whether I was on a short term contract or not. It asks lots of questions about who I was employed by and whether I had death in service benefits etc
    Originally posted by louey
    Sounds like you're not sure what reasons for complaint you may have?

    • louey
    • By louey 16th Sep 18, 12:38 PM
    • 10 Posts
    • 2 Thanks
    louey
    • #7
    • 16th Sep 18, 12:38 PM
    • #7
    • 16th Sep 18, 12:38 PM
    Sounds like you're not sure what reasons for complaint you may have?
    Originally posted by societys child
    I may not have a complaint over all the PPI - it depends on when I got it. I was on a fixed term contract for some of the time period and a student so I'm pretty sure that it would not have paid out for unemployment in those circumstances. Later on I had a permanent job. It sounds like I need to phone them and see if they can give me more details.
    • -taff
    • By -taff 17th Sep 18, 2:32 PM
    • 8,676 Posts
    • 7,904 Thanks
    -taff
    • #8
    • 17th Sep 18, 2:32 PM
    • #8
    • 17th Sep 18, 2:32 PM
    Usualy complant reasons are single premium on a loan or consolidated chain of loans.
    CC PPI - didn't need it, could cover with savings, good sick pay, already covered elsewhere, not working enough hours to have it pay out, student, armed forces, policeman.
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