Ball is rolling

[pompeyfaith]

Re: Ball is rolling

Susie,

I understand the ultimate decision is yours, however I was trying to point out any possible losses here, for instance on £100 worth of PPI the 8% statutory interest comes to £120.07 alone over a 15 yr period.

Indeed the interest is worth more to you than the returned PPI payments.

[CleverClogs (RIP)]

Re: Ball is rolling

Was actually Goldfish

With which species they share a similar shortness of memory?

[di30]

Re: Ball is rolling

Was actually Goldfish - but was a subsidary of Lloyds back when I applied

Think they were just as bad!

[oscar]

Re: Ball is rolling

And as its Lloyds, if you had a loan, they would have automatically added the PPI as well going back then!

Was actually Goldfish - but was a subsidary of Lloyds back when I applied

[di30]

Re: Ball is rolling

They have already admitted they can find NO records. I have letters confirming loan accepted (although doesnt prove transfer of funds)

BUT I also have old bank stats - going back to show the DD leaving my account for the loan itself. However they are ignoring me now I can prove I had a loan - and this loan was "only" 8 years ago or so.

And as its Lloyds, if you had a loan, they would have automatically added the PPI as well going back then!

[di30]

Re: Ball is rolling

Loan was around 15 years ago, so very possible that they would not have any paperwork!


I think the standard offer would be around the same or a bit more than the PPi so am more than happy to accept it, saves a lot of hassle and right now for the possibility of getting another £50 or even losing £50 its not worth arguing. Its amazing whats possible when there is support and advice - thanks again, you really have helped a lot



Thats shit sounds as if its the luck of the draw as to who deals with the complaint and what the outcome is.
Really hope you get them to sort it out and pay it back for you. Have you sent them a SAR to see what they have on file for you?

Excellent news Susie, I am very chuffed for you.
Mine was from the Mid 90's these were the very first 2 loans we ever taken out and they were from what I can recall very small loans and small ppi, which then I assumed was all part of the package of the loan, so I was very happy with mine too.

Again well done! Xx

[oscar]

Re: Ball is rolling

Thats shit sounds as if its the luck of the draw as to who deals with the complaint and what the outcome is.
Really hope you get them to sort it out and pay it back for you. Have you sent them a SAR to see what they have on file for you?

They have already admitted they can find NO records. I have letters confirming loan accepted (although doesnt prove transfer of funds)

BUT I also have old bank stats - going back to show the DD leaving my account for the loan itself. However they are ignoring me now I can prove I had a loan - and this loan was "only" 8 years ago or so.

[Susie]

Re: Ball is rolling

Hold on Hold on this is Lloyds bank the nasty bank and they will try and rip you off never accept on offer just like that on one letter.

You are entitled to interest too as payment for depriving you of your funds so you want to see there calculation of how they worked out the offer before you accept.

They say they have no paperwork so how old is the Loan what exactly is an average amount sounds very iffy to me.

Loan was around 15 years ago, so very possible that they would not have any paperwork!

Well done Susie

I had an issue with an old one or 2 with lack of paperwork and was offered the standard offers on them and do believe the offer was more than what they would have owed me going by little info i did have, so was happy with that.

Your very welcome honey XxXx

I think the standard offer would be around the same or a bit more than the PPi so am more than happy to accept it, saves a lot of hassle and right now for the possibility of getting another £50 or even losing £50 its not worth arguing. Its amazing whats possible when there is support and advice - thanks again, you really have helped a lot

Now that REALLY pisses me off!!!

I too sent a letter to Lloyds - and as per Pompeys post, tried everyhting to deny I even had a loan. Eventually found some info confirming I had applied - Lloyds response was that it didnt confirm I had been given a loan.

Then got some bank stats - sent a screen shot of the DD leaving my acccount ...... not a dickie bird.

So time to email the Ceo AGAIN!! - seems only responses I get are when I email them. Am sure if some of them had two brain cells each, they would still be lonely as they would be at opposite sides of the skull.

Thats shit sounds as if its the luck of the draw as to who deals with the complaint and what the outcome is.
Really hope you get them to sort it out and pay it back for you. Have you sent them a SAR to see what they have on file for you?

[di30]

Re: Ball is rolling

I suppose it is possible they are still investigating .... but will send an email tomorrow to chase it all up. Never know really.

If that is unsuccessful, will take your advice Di.

Good luck Oscar, and yes that is possible, they could well still be looking into it.

See what they come back with, give them another week and if nothing, contact your local MP then, I'm sure they will be more than willing to write on your behalf.

[oscar]

Re: Ball is rolling

I suppose it is possible they are still investigating .... but will send an email tomorrow to chase it all up. Never know really.

If that is unsuccessful, will take your advice Di.

[di30]

Re: Ball is rolling

Now that REALLY pisses me off!!!

I too sent a letter to Lloyds - and as per Pompeys post, tried everyhting to deny I even had a loan. Eventually found some info confirming I had applied - Lloyds response was that it didnt confirm I had been given a loan.

Then got some bank stats - sent a screen shot of the DD leaving my acccount ...... not a dickie bird.

So time to email the Ceo AGAIN!! - seems only responses I get are when I email them. Am sure if some of them had two brain cells each, they would still be lonely as they would be at opposite sides of the skull.

Oscar, write to your MP, they will act quicker for you because you have already tried and the bank/business has failed, so your MP will write to them on your behalf, explain everything up to date and ask them to send you copies of all correspondence etc.

[oscar]

Re: Ball is rolling

Now that REALLY pisses me off!!!

I too sent a letter to Lloyds - and as per Pompeys post, tried everyhting to deny I even had a loan. Eventually found some info confirming I had applied - Lloyds response was that it didnt confirm I had been given a loan.

Then got some bank stats - sent a screen shot of the DD leaving my acccount ...... not a dickie bird.

So time to email the Ceo AGAIN!! - seems only responses I get are when I email them. Am sure if some of them had two brain cells each, they would still be lonely as they would be at opposite sides of the skull.

[di30]

Re: Ball is rolling

Holy shit!!!

Just got a letter from Lloyds and they cannot find the paperwork for the loan so have offered a standard average amount, if I am happy I don't have to do anything and they will pay me!!

That was so much less painful than I had expected, and a great result the way things are at the moment

and a huge thank you to Di for the encouragement

Well done Susie

I had an issue with an old one or 2 with lack of paperwork and was offered the standard offers on them and do believe the offer was more than what they would have owed me going by little info i did have, so was happy with that.

Your very welcome honey XxXx

[pompeyfaith]

Re: Ball is rolling

Hold on Hold on this is Lloyds bank the nasty bank and they will try and rip you off never accept on offer just like that on one letter.

You are entitled to interest too as payment for depriving you of your funds so you want to see there calculation of how they worked out the offer before you accept.

They say they have no paperwork so how old is the Loan what exactly is an average amount sounds very iffy to me.

[Susie]

Re: Ball is rolling

Holy shit!!!

Just got a letter from Lloyds and they cannot find the paperwork for the loan so have offered a standard average amount, if I am happy I don't have to do anything and they will pay me!!

That was so much less painful than I had expected, and a great result the way things are at the moment

and a huge thank you to Di for the encouragement