Not saying it will do much good, but I have sent hard-copies of all responses from LLoyds Customer Care and complained about the incompetance of the staff. All the info, copies of emails replies and my queries sent to the CEO. I know the FSA will not do much as such but am going to write to them anyway. Oh I made customer care aware of the CEO as well, again it will not make any difference, maybe I should have mentioned the FSA to them as well lol.

I decided to get one more letter together and if nothing is heard by 5 working days, I will consider taking another direction with this. A friend have also made some suggestions for me, like insisting "if they are so adamant that their own figures are correct, then a clear explanation is required by the FOS - for any settlement is acceptable". If they are unable to explain their calculations, then the offer cannot be properly evaluated by the claimant. Then to enclose my detailed breakdown SpreadSheet to them, if they do not accept my calculations then insist they provide a clear and acceptable reason. Do you think its worth also contacting the FSA on this? I believe that LLoyds is already one of those to be punished anyway, so another complaint about them is not going to hurt lol.

Brilliant. And I don't blame you. This is very interesting.

Hi and thanks for your response. Blimey you are down on your money! I do certainly hope they get this right for you and soon as well, good luck.

Blimey imaging how many they tried to get through in a day, never mind a week?? Anything can be missed and overlooked through speeding through complaints.

Have anyone ever forwarded their PPI calculations of their upheld reclaims to the FOS calculations team? (That are not upheld by the FOS themselves but by the loan companies/banks). I have over the past few weeks sent a few by email to them without having the need to complain, but still awaiting the result, this is in regards of LLoyds TSB. However, this was also to make sure its been calculated inline with the FOS. If you have, please could you post how long this had taken. One of them is my hubby's Credit Card PPI, and the other is on one of the loan PPI, the way its going I will also be sending another just to make sure the bank have calculated in-line with the FOS as they confirmed. I was told last week - when emailed for an update, that we should hear something this week.

Thank you PF. I'm not holding much hope. Thing is now I am not sure whether to continue to sign and accept, as the money would come in real handy to pay towards something else. Better get my thinking cap on me thinks. It would help if they would be lenient enough to supply the detailed breakdown LOL, that's an understatement me thinks. I don't think I am able to accept this as part payment offer either??

Thank you both. Good points raised by you both too, lets hope they will listen. I have since emailed the CEO, and explained the situation, also sent copies of the emails I received from Customer Care, I also made them aware that I am undecided on making a decision - to sign the acceptance slip or not. I felt like mentioning about the FSA too, but did not go that far. Only time will tell if they take any note of this. Di

Do you think its worth me emailing "CEO" at LLoyds on this and forward him the email of his incompetent staff?

Lol, well that actually sounds like a good idea.

Hi Landy Thanks for your input here as well, I agree with you too. I was actually thinking of contacting both the FOS and the FSA on this, although I don't think much will be done on the FSA side of things. The annoying thing is, they did let me know the figure on this one on the decision letter, but no the breakdown of how they came to the offer, and it supposed to be including the interest. They also confirmed it was in-line with the FOS - in how they work out ppi refunds. This one was on a loan taken out in Nov 2001, settled in aug 2002, it was for over 60 months. They have a law of their own it seems. Di

Thanks again PF. Well it looks like I am right..... Check this out here: 08000327329 - who calls me from 08000327329? 1/5

Good luck with this PF. Yes your right, it certainly does stink! Its in relation to our accounts and I think we should have the right to know what is what. I'm sure what you will do will help people in the future, all the best with this, will keep an eye on your posts. I missed a call earlier, and I think its LLoyds, we have told them we will only correspond in writing /post/email only, and they are aware we are under TPS, have been for a number of years, but I will not discuss anything with them over the phone, as I do not trust them. Do you recognise this number? 08000327329? Going though the SAR, there is a comment "customers - "TPS", so they are fully aware not to get touch by phone. Di

With recent success of a loan PPI with LLoyds, I have requested since last week for the detailed breakdown of the calculations, why they cannot supply them I do not know,I would have thought its a right to have these. Although they have let us know the amount, it seems to be less than worked out going by the FOS guidelines, they did also confirm previously it was in-line with the FOS, but I must say, the email received was not very professional either, here: Hello , thank you for your fast response. I have spoken to numerous amounts of people within Customer Care in which we are unfortunately unable to provide you with a detailed written breakdown of how we calculated the refund amounts. I apologise for any inconvenience caused. Kind Regards, Lloyds TSB Customer Care.

Hi there All LLoyds decision letters look the same, I received a low will offer at first, and thought no way! They also made lots of errors and I wrote back to have this put right, and requested they investigate my complaint properly. Within days of doing this they got back and upheld and confirmed they will calculate inline with the FOS, however - be careful here and have them checked for you, because the recent one of mine works out quite a bit less, so this is being questioned with them before I sign and accept. I would not leave it there. When I did write back to them, I sent them an hardcopy letter through the post and also emailed this dept here: customer.care.insurance@lloydstsb.co.uk And copied it to the Chief Exective officer (CEO) here: Eric.Daniels@lloydstsb.co.uk I would write back and make your letter stronger, tell them they have completely overlooked your complaint. For every reason on their finding - yes write you disagree and why. Then make your reason look stronger. (Have you noticed its all about them)?? Keep at them is best. Good luck.

Hi there When you know how much you received, and if you think anything is amiss, then do dispute this. Even though a few of mine have been upheld where they have stated they have worked the calculations inline with the FOS, on at least one of them there is a something amiss. Yes they do normally send you acceptance slips, you complete this with your bank account details of where you want your refund paid into. In regards of your other query, hopefully someone will post up soon with some help for you, good luck. Di

I will do, cheers.:)

Hi aa and thank you. Since writing back to LLoyds, they have suddenly reconsidered and decided to uphold LOL (within days), however I will still make a complaint against them. And another thing as well, they said they have calculated inline with the FOS guidelines but it does not look this way, so looking into this one further. Good on you too for complaining. Di

Hi and well done on your success. To what I know of if your complaint was upheld in your favour (and not a goodwill offer) it may be the case that they will refund the PPI towards the loan arrears and then the interest should therefore be refunded directly to you. This though may differ from bank to bank, but if you do not agree with this, due to being out of pocket in the first place and it have not helped by being mis sold the PPI, which have been added to the debt, you can write to argue on this. I would wait for other opinions on this though, and if you remain unhappy with the way they have dealt with it, you can still complain to the Financial ombudsman service (FOS), good luck and again well done.

Great find, aa. Hope you didn't mind me posting the above links on your thread, "How cheeky of me not to have asked first" sorry. Cheers. Di

Cheers aa. With LV, mine had only taken about 4 weeks from start to being refunded my PPI, so they were the easiest of my complaints to deal with. Nemo Personal Finance were very difficult or one of the worse I thought until complaining to LLoyds. They rejected my Credit Card PPI complaint which did go as far as the FOS, I was only then receiving my children's benefits. The FOS upheld in my favour. Was also browsing through the FOS websites of the high volumes of complaints via Lloyds TSB. Even though LLoyds recently upheld 2 PPI loan complaints in my favour (this was though being offered a low offer at first), I informed them I did not feel my complaint had been investigated properly and they missed and overlooked my reasons. I have since sent in another as I recently received more info through a SAR, and they have again rejected but on a low will gesture, and the letter I received was absolutely rubbish, it looks again as if they have not investigated my complaint properly. I have of course wrote back to them to confirm this and request they consider and yesterday I was sent an update by email that they will get back to me on this one by mid week next week. Seems like since this FSA news its given them a kick they need LOL. Good advice there as well from you aa. Di

Lloyds and RBS face complaints handling probe: FT.com / Companies / Banks - Lloyds and RBS face complaints handling probe http://www.dailymail.co.uk/money/article-1269713/Lenders-fobbing-customers.html State-backed banking giants Royal Bank of Scotland and Lloyds are facing potentially massive fines for failing to investigate customers' complaints properly. A probe by the City watchdog blasted the UK's largest banks for the shoddy way they handle complaints. Two of them even pay bonuses to staff who turn down complaints and refuse redress. Five banks were investigated by the City Watchdog. Two treated their customers so badly that they now face further investigation and possible fines, which could run to millions of pounds. The FSA has refused to name the banks being investigated. But last night sources ruled out HSBC, Santander and Barclays as the two banks in the firing line. RBS and Lloyds Banking Group refused to comment, both describing the FSA's investigation as 'confidential'. Between them the banks have taken more than £65bn in state hand-outs.

And a clue on here perhaps?? RBS to face FSA complaint investigation http://www.which.co.uk/about-which/press/press-releases/campaign-press-releases/personal-finance/2010/04/fsa-investigation-underlines-sales-culture-in-uk-banks.jsp Some little older news here, on volumes of the highest complaints dealt with by the FOS. http://www.thefreelibrary.com/The+shame+of+our+High+Street+banks%3B+As+Ombudsman+upholds+record...-a0207861685

Yeah definately !

That is real BAD!!!!