Lloyds

[cappo]

Re: Lloyds

Hi guys,now had my ppi repayed on a 16 year old LTSB loan,had no paperwork and put in a claim thanks to our little Di really as i knew i had been self employed with them good result,still can't get them to admit i had ppi on my credit card though.

[di30]

Re: Lloyds

Great news Mick and fingers crossed.

[Mickb1969]

Re: Lloyds

had a reply from FOS today acknowledging receipt of my complaint. They say it could take up to 4 weeks to give me a full response.

[di30]

Re: Lloyds

I sent all my paperwork back to the FSO today with a letter saying that I now wish to make the complaint official. I included the latest response from lloyds which basically says "we're putting your claim on hold".

I realise that after the latest court ruling, the FSO are going to be swamped with claims, so I guess it's just a waiting game.
It's a shame I can only claim for the PPI and not the whole loan!!
If I get anything back it will be a bonus though.

Mick

Hi Mick
Hang in there

My 2 are still hanging about with Lloyds, but I have been informed that they are unable to provide me with the timescale of when I should hear, frustrating, but that interest will keep adding up.

[Mickb1969]

Re: Lloyds

I sent all my paperwork back to the FSO today with a letter saying that I now wish to make the complaint official. I included the latest response from lloyds which basically says "we're putting your claim on hold".

I realise that after the latest court ruling, the FSO are going to be swamped with claims, so I guess it's just a waiting game.
It's a shame I can only claim for the PPI and not the whole loan!!
If I get anything back it will be a bonus though.

Mick

[di30]

Re: Lloyds

Hi,
It's been a while since I have been here (I was in a motorcycle accident) but I am still rubbish with my finances!
My story so far is.....
I took out a loan with Lloyds a few years ago. I was told at the time that to get the loan, I would have to take out PPI as an up front payment but it would be included in the loan (and therefore gain interest). I was self employed at the time so my income was never guaranteed.
I decided to claim it back last year using information from MSE. I wrote the first letter, no reply. I wrote the second letter, got the expected reply of "We did nothing wrong". Wrote to FSO, who replied and I have a letter from Lloyds saying something about them appealing so I just have to wait.
Information is conflicting at the moment. Should I now send that letter to the FSO and ask them to help me get my money back?

Any suggestions would be appreciated.

Ok, off to the unenforceable section next

Mick

Hi Mick

So sorry to hear about your accident and hope your recovering well from this now.

So basically you taken your complaint as far as the Financial ombudsman service (FOS) and they have told you to wait for the JR appeal.
I would contact the FOS and ask them if they are still dealing with your complaint first?
Because you passed it on to them which was your right after being rejected by Lloyds.
I would make sure on this, but otherwise we will get on to Lloyds again.

Look forward to hearing from you.

[Never-In-Doubt]

Re: Lloyds

Hi,
It's been a while since I have been here (I was in a motorcycle accident) but I am still rubbish with my finances!
My story so far is.....
I took out a loan with Lloyds a few years ago. I was told at the time that to get the loan, I would have to take out PPI as an up front payment but it would be included in the loan (and therefore gain interest). I was self employed at the time so my income was never guaranteed.
I decided to claim it back last year using information from MSE. I wrote the first letter, no reply. I wrote the second letter, got the expected reply of "We did nothing wrong". Wrote to FSO, who replied and I have a letter from Lloyds saying something about them appealing so I just have to wait.
Information is conflicting at the moment. Should I now send that letter to the FSO and ask them to help me get my money back?

Any suggestions would be appreciated.

Ok, off to the unenforceable section next

Mick

Hey Mick

Nice to see you again - glad you're better!

Ok, you should be able to put in a reclaim and they should be refunding you now, especially after the recent judgment and the fact Lloyds are not appealing....

Di will be along to help properly but don't worry, you'll be able to get clarity on this now

[Mickb1969]

Hi,
It's been a while since I have been here (I was in a motorcycle accident) but I am still rubbish with my finances!
My story so far is.....
I took out a loan with Lloyds a few years ago. I was told at the time that to get the loan, I would have to take out PPI as an up front payment but it would be included in the loan (and therefore gain interest). I was self employed at the time so my income was never guaranteed.
I decided to claim it back last year using information from MSE. I wrote the first letter, no reply. I wrote the second letter, got the expected reply of "We did nothing wrong". Wrote to FSO, who replied and I have a letter from Lloyds saying something about them appealing so I just have to wait.
Information is conflicting at the moment. Should I now send that letter to the FSO and ask them to help me get my money back?

Any suggestions would be appreciated.

Ok, off to the unenforceable section next

Mick