Just an update to my case....wrote to FSO mid January and they wrote back saying they were requesting more information from Lloyds. Today however I have had a letter advising Lloyds do not admit any fault but as a goodwill gesture they will refund me for the ppi, plus interest and compensation!!!! Hopefully this will now be the end of the saga!!!

Did you get your S.A.R stuff? I only received copies of charges. I sent a non compliance and received bank statements. 3 requests for copies of my loans with PPI and they just won't send them!!!

I'll see if anything else comes. The response was from my local branch, looks like they have not even read my non compliance but just asked the branch to provide statements. They provided a loan statement but no agreements. The statement was for a loan from 2001. They also included a letter suggesting I bank online where I can check my statements etc!!!

Well, sent off the Non compliance as suggested and mentioned the fact that I have had 3 loans with Lloyds since Nov 2001 but they had omitted to send any copies of documents relating to this or notes. Just had a courier deliver 7 years worth of statements!!! No loan agreements, no copies of correspondence (even from the time I went to Ombudsman previously)...This is the 3rd written request for loan documents which they have ignored...What do I do now?

Hi RedVixen, I sent it to the Customer Service Recovery Centre, there address was provided in a complaints leaflet and as I thought they should have my complaint on file they would be able to see why I was requesting these documents. There were 3 loans between Nov 2001 & Jan 04, as 2 were refinanced and all with PPI. The 2nd loan taken was arranged by their customer relations after a commplaint to the FSO as they had made so many errors on the loan account (took 2 payments, refunding 1 then harassed me for 6 months for the payment they refunded). This 2nd loan was arranged by my partner who had no authority to deal with this in writing but they still dealt with her!! This is probably why they may not wish to hand over these documents.

Hi, Yes that was the one. They have responded within the 40 day timescale, they received my request on 17/11. They only sent a print out of any bank charges, nothing at all to do with my accounts or loans. Is it too soon to send the non compliance letter? Thank you so much for you help

I sent my S.A.R request to Lloyds and I asked for copies of everything as suggested by Paintball...I used the template on here. I've received back none of this and just a statement of any charges and a letter saying I can send that to the FSO and when everything has been decided in court about bank charges then they will respond!!!! This was not what I asked for and it seems they have not even read the letter properly.

You have just made my day as I see there is a light at the end f the tunnel.....reading this thread I notice I have just received the same letter from Lloyds. Also received another letter saying it was their final response and to go to FSO!! They too did not respond to every concern and made many mistakes in their letter

PS. They respond the same day as they receive my letter each time but never answer my questions!!

Thank you so much....I didn't realise anyone had respond as I am new to CAG. I did reply to them but that's when they said to go to FSO. I probably have copies of letters confirming my cover that was in place. I will send off the S.A.R. They have already sent me page 6 of a income and expenditure form and a copy of the credit agreement but I thought there would have been a form signed form stating I have been advised the benefits of the PPI and wish to purchase. They said I would have been provided with a statement of price before purchasing but did not send that when I requested. I feel a bit out of my depth so really appreciate your support.

Can anyone help? I recently wrote to Lloyds as they insisted that I take PPI or be declined for a loan, it has cost me nearly £5000! They repiled asking for more evidence but saying they would not refund me,. I wrote back giing the details they asked for and went into more detail regarding the circumstances surrounding the sale of ppi and giving the evidence. They have wrote and told me to go to the FSO. I don't know what to do next, they wont respond to my concern or send the copies of documents I have requested.

Hi, I have recently written a letter to Lloyds requesting they refund me a ppi policy (£4000) which they insisted I take with a loan. They had declined my loan request when I applied by phone 2 weeks prior to taking the loan out so I made an appt at the branch who said thy could only give me the loan if i took the protection....the advisor kept going to negotiate with manager and said these were the terms. Lloyds have rejected this as the loan agreement says "optional" ppi. They said I had no option, no ppi = no loan. I cant prove what was said though....any suggestions???? I also advised them at the time that I was covered by income protectin, my partner had arranged this, we have since cancelled this protectionas we were paying almost £100 a month in insurances but Lloyds are asking for copies of this policy. I'm lost as to what to do now?