My sons girlfriend was fobbed off and is now outside the 6 month time limit, wish they had told me before as I could have done something about it, as they are now re opening claims how do you go about getting the bank to look at it again or do you have to wait for them to contact you?.

Can I just ask a question about this for my son, just to put you in the picture I won my sons case and claimed back the PPI portion of this Debt from LLoyds, I think his loan was for £6000 but they had put the PPI onto that as a lump sum (1900) and he kept up payments for a year when he had to stop paying due to his financial situation, he did pay the odd payment after that and redid the loan to make things a bit easier but in the end stopped paying. My question is how can a loan of £6000 with PPI which comes to about £79oo when PPI added on be passed on as a debt to 1st credit for £6532 when the PPI portion has been paid back to my son and he has made approx 18 months payments.

On 20th Sept 2011 I recieved change of codings because I started drawing a small pension (I was already drawing another pension) and I had also changed jobs, in Feb 2013 I received a P800 saying I owed approx £3800 from year 2011-12 tax so I have been disputing this saying they had all my correct details etc etc. They are now saying under ESC19A I have no recourse but I decided to ask for all my data as I was certain I had contacted them, on one of the forms I found that they issued change of codes on my pay main pay and my main pension on Sept 2011 which in effect caused them to under tax me ie changed pension from D0 to 65L, now I know your going to say 'but its up to you to ensure your paying the correct tax' and I would agree to a point but I then found that I had rang them 9 days later to ask them how codes were worked out and were the new codes correct, I also told them my expected total pay for that year and I overstated my pay to be on the safe side but the biggest evidence against HMRC is that the person I was speaking to stated that the codes were correct,see the statement below on their paperwork- TP called to ask about codes and how they are worked out, took estimated income and codes correct (this is there exact wording) The thing is since I took my main pension(2006)they have every year to date messed up my codes and I have had to pay back underpaid tax so this was the last straw. I know they have informed me within the time limit but it is up to HMRC to issue the correct codes, If I then have reasonable belief that my codes are correct ie I did contact them and they said there were correct when in fact they were not I believe I have a case against them.Do you think I have a case here.

I sent my ipad for repair to an online site in Urmston Manchester called Urmston computers,looked a genuine site,payed half cost then rest when repaired by paypal,I am still awaiting delivery after 2 days and somehow have a feeling it wont turn up what are my rights if it does not show up do I need to go through small claims court after putting in writing whats happened,delivery was by courier and return by courier. I have phoned his shop and he said it will be delivered today did not have tracking No but said will send it but nothing,have a really bad feeling over this.

Just had a letter back of Lloyds TSB offering £515 refund waving another £10 due in charges since March 2011,a small victory but don't know if I would be pushing my luck to try and get a higher offer what are your thoughts. [EDIT]

Cheers rebel11 I think I have covered the points.

Can anyone knowledgeable comment on the letter

Ooops keep forgetting

I'm going to try a letter to Lloyds on the bank charges any suggestions welcomed before I send it off thanks. [EDIT] 27th February 2012 Lloyds TSB Bank Plc 25 Gresham Street London EC2V 7HN Dear Sir or Madam, Account No ******** I am writing to request that you repay all the charges in relation to direct debits, unauthorised overdrafts and standing orders that have been applied to my account in the past six years. I believe the fact that I have been incurring bank charges goes contrary to the aims of the Lending Code (Section 9) and Banking Conduct of Business Sourcebook (section 5.1.4 ‘in particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty’). Also Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the charges are unlawful as they do not reflect the true cost of going into an unauthorised overdraft. My personal situation has been affected by the charges leaving me in financial hardship and I am writing to request that you take the following grounds into consideration • I can’t pay my debts and have recently reclaimed PPI from you that were mis-sold to me, these extra premiums being one of the reasons why I could not serve my debt. • My Income has been eaten by charges some £1800 in one year alone (2008) starting within 3 months of the loan I took out from you. • Payments regularly returned due initially to the excessive charges levied on my account these charges were disproportionate to the debt I owed and were directly responsible for my spiral into debt. • I have been constantly over my overdraft limit and you gave me no assistance when the high charges were being levied’, these charges have contributed to making my financial hardship situation materially worse; I do though acknowledge that you occasionally waved charges and Increased my overdraft but this was too little to late. • I had been stuck in a cycle of charges and not being able to clear them before new daily or monthly fees and returned direct debits are added on top. • I have over the time built up various debts with family and friends trying to help me but at least the award for mis-sold PPI has gone some way to paying my debts down along with the still outstanding money owed to the credit agency but it still leaves me in debt. The charges total £2636 in unplanned overdraft fees plus £780 in returned Direct Debits and I ask that you repay me the full amount. Plus as I believe I have been unfairly deprived of the money and I ask that interest at the statutory rate, the amount a court would award and I ask that this be added to my claim. I have attached a full schedule of the charges with this document. I look forward to a full response to this letter within 14 days and if I do not receive a satisfactory response I intend to pursue my complaint to the Financial Ombudsman Service or small claims court with supporting docs and letters from myself under the financial hardship criteria at the earliest opportunity. Yours faithfully, [EDIT]

Ok Lloyd TSB Paid £2815 for PPI Paid after 7 weeks. Did not ask for a set amount but the award works out so- Refund of premiums £1046.98 Early settlement difference £1500.50 Interest at 8% 268.42 total £2815.90 This was a claim for my son who defaulted on loan after about 2 1/2 years,basically the settlement figure comes to just under what the PPI total payment would be at the Interest rate at the time. http://www.consumeractiongroup.co.uk/forum/showthread.php?336695-PPI-Roberts-vs-Lloyds&p=3706579#post3706579

Ok ims21 thanks for your time.

Ok so I was wrong in both cases,its actually 16 payments at £47.90 and 8 payments at £36.30 so if what your saying is correct that comes to what they have offered him £2815 approx PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £1,056.80 Lender Name: Lloyds TSB 8% Simple Interest £289.54 Account Number: [EDIT] Claim From: 01/11/2007 Total £1,346.34 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £36.30 1088 £8.69 01/04/2009 PPI Payment £36.30 1057 £8.44 01/05/2009 PPI Payment £36.30 1027 £8.20 01/06/2009 PPI Payment £36.30 996 £7.95 01/07/2009 PPI Payment £36.30 966 £7.71 01/08/2009 PPI Payment £36.30 935 £7.47 01/09/2009 PPI Payment £36.30 904 £7.22 01/10/2009 PPI Payment £36.30 874 £6.98

Ok I have adjusted spreadsheet to what I think you mean,these are for the actual payments. PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £1,152.60 Lender Name: Lloyds TSB 8% Simple Interest £308.24 Account Number: [EDIT] Claim From: 01/11/2007 Total £1,460.84 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £47.90 1088 £11.47 01/04/2009 PPI Payment £47.90 1057 £11.14 01/05/2009 PPI Payment £36.30 1027 £8.20 01/06/2009 PPI Payment £36.30 996 £7.95 01/07/2009 PPI Payment £36.30 966 £7.71 01/08/2009 PPI Payment £36.30 935 £7.47 01/09/2009 PPI Payment £36.30 904 £7.22 01/10/2009 PPI Payment £36.30 874 £6.98 01/11/2009 PPI Payment £36.30 843 £6.73 01/12/2009 PPI Payment £36.30 813 £6.49 So what I said earlier though was that they sold the debt on and they sold that debt on with the value of all the PPI payment being paid albeit at a lower cost so therefore the quote below from this website should mean I should put all the payments in surely. So what they have to do to put things right is to refund the entire premium to the claimant plus the interest they would have charged on the payments by the claimant and then plus interest on those payments by way of compensation, typically 8% statutory interest.

Sorry to jump in on this thread but I (claiming for my son)have just had an offer off LLoyds for miss sold PPI which I believe is below what they should be returning to him but the reason this thread Interests me is that within a few months because he was beginning to fail to service the Loan he was hit with large unplanned overdraft charges that within the next 13 months alone accounted for £1502, then carrying on charges for the overdrafts and missed DD accounts for in total some £3400 in charges for a period from beginning 2008 till end of last year so I too am looking to claim back all these charges so I am finding this thread very Informative and wish you all good luck and any tips on how to go about it,I will be keeping the charges claim separate from the PPI and I have already fired off a letter to Lloyds asking them to stop all charges due to hardship criteria but they have said he needs to make an appointment at his branch and arrange a talk with his manager or associate.

spreadsheet PPI REDRESS CALCULATION UNDER FOS RULES - SINGLE PREMIUM POLICIES PERSONAL DETAILS AWARD CALCULATION Claimant Name: [EDIT] Monthly Payment of PPI £2,874.00 Lender Name: Lloyds TSB 8% Simple Interest £427.59 Account Number: [EDIT] Claim From: 01/11/2007 Total £3,301.59 Claim To: 22/02/2012 "Date of Charge" Description "Amount of Charge" "Number of Days Elapsed" "Interest at 8% Simple" 01/11/2007 PPI Payment £47.90 1574 £16.59 01/12/2007 PPI Payment £47.90 1544 £16.27 01/01/2008 PPI Payment £47.90 1513 £15.94 01/02/2008 PPI Payment £47.90 1482 £15.62 01/03/2008 PPI Payment £47.90 1453 £15.31 01/04/2008 PPI Payment £47.90 1422 £14.99 01/05/2008 PPI Payment £47.90 1392 £14.67 01/06/2008 PPI Payment £47.90 1361 £14.34 01/07/2008 PPI Payment £47.90 1331 £14.03 01/08/2008 PPI Payment £47.90 1300 £13.70 01/09/2008 PPI Payment £47.90 1269 £13.37 01/10/2008 PPI Payment £47.90 1239 £13.06 01/11/2008 PPI Payment £47.90 1208 £12.73 01/12/2008 PPI Payment £47.90 1178 £12.41 01/01/2009 PPI Payment £47.90 1147 £12.09 01/02/2009 PPI Payment £47.90 1116 £11.76 01/03/2009 PPI Payment £47.90 1088 £11.47 01/04/2009 PPI Payment £47.90 1057 £11.14 01/05/2009 PPI Payment £47.90 1027 £10.82 01/06/2009 PPI Payment £47.90 996 £10.50 01/07/2009 PPI Payment £47.90 966 £10.18 01/08/2009 PPI Payment £47.90 935 £9.85 01/09/2009 PPI Payment £47.90 904 £9.53 01/10/2009 PPI Payment £47.90 874 £9.21 01/11/2009 PPI Payment £47.90 843 £8.88 01/12/2009 PPI Payment £47.90 813 £8.57 01/01/2010 PPI Payment £47.90 782 £8.24 01/02/2010 PPI Payment £47.90 751 £7.91 01/03/2010 PPI Payment £47.90 723 £7.62 01/04/2010 PPI Payment £47.90 692 £7.29 01/05/2010 PPI Payment £47.90 662 £6.98 01/06/2010 PPI Payment £47.90 631 £6.65 01/07/2010 PPI Payment £47.90 601 £6.33 01/08/2010 PPI Payment £47.90 570 £6.01 01/09/2010 PPI Payment £47.90 539 £5.68 01/10/2010 PPI Payment £47.90 509 £5.36 01/11/2010 PPI Payment £47.90 478 £5.04 01/12/2010 PPI Payment £47.90 448 £4.72 01/01/2011 PPI Payment £47.90 417 £4.39 01/02/2011 PPI Payment £47.90 386 £4.07 01/03/2011 PPI Payment £47.90 358 £3.77 01/04/2011 PPI Payment £47.90 327 £3.45 01/05/2011 PPI Payment £47.90 297 £3.13 01/06/2011 PPI Payment £47.90 266 £2.80 01/07/2011 PPI Payment £47.90 236 £2.49 01/08/2011 PPI Payment £47.90 205 £2.16 01/09/2011 PPI Payment £47.90 174 £1.83 01/10/2011 PPI Payment £47.90 144 £1.52 01/11/2011 PPI Payment £47.90 113 £1.19 01/12/2011 PPI Payment £47.90 83 £0.87 01/01/2012 PPI Payment £47.90 52 £0.55 01/02/2012 PPI Payment £47.90 21 £0.22 01/03/2012 PPI Payment £47.90 -8 -£0.08 01/04/2012 PPI Payment £47.90 -39 -£0.41 01/05/2012 PPI Payment £47.90 -69 -£0.73 01/06/2012 PPI Payment £47.90 -100 -£1.05 01/07/2012 PPI Payment £47.90 -130 -£1.37 01/08/2012 PPI Payment £47.90 -161 -£1.70 01/09/2012 PPI Payment £47.90 -192 -£2.02 01/10/2012 PPI Payment £47.90 -222 -£2.34

Many thanks ims21

Ok ims21 many thanks,I did the spreadsheet that was on here though and it came to £3301 worked out on this assumption but have not Included the last bit of Interest so they have not actually compensated him. -So what they have to do to put things right is to refund the entire premium to the claimant plus the interest they would have charged on the payments by the claimant and then plus interest on those payments by way of compensation, typically 8% statutory interest. AWARD CALCULATION Monthly Payment of PPI £2,874.00 8% Simple Interest £427.59 Total £3,301.59

Today I have received an offer from Lloyds offering a total of £2815.90 in full and final settlement,this breaks down into so- Refund of premiums £1046.98 Early settlement difference £1500.50 Interest at 8% 268.42 total £2815.90 Looking at the payments made for the PPI part I work out that he has paid 24 payments before he defaulted on loan,the loan payment was reduced after 16 payments from £196.59 down to £150 which he then made another 7 payments at £150 and one at £180,I am not sure why one at £180 though. Anyway the PPI part of those payments were £47.90 if you multiply by 24 you get £1149.60 which is close to the refund of payments above,I am not sure what early settlement difference is but it seems on the whole a reasonable offer but since searching on this website I found this by site team citizenB I got behind with my loan which had PPI attached to it. As a result, the loan was sold to a debt collectionAgency and I have a notice of assignment to that effect. As my debt has been sold, who do I now claim from and what do I claim. This is an interesting one but you should revert to the logic that it was the original creditor or their agent who mis-sold the policy and therefore it is they who are your target for the reclaim. Surprising as it may seem, the dca has nothing to do with the policy or the sale of it. All they have is a figure that they have bought. The claim is therefore to the original lender. Now there is no set rule as to what goes on here but the closest logical approach is as follows. Prior to selling the debt, the original lender would have issued default and termination notices. It is likely that from the date of termination no further interest will be added to the account. There would clearly be a balance on the account otherwise there would be nothing to sell on to a dca. If you put yourself in the bank’s shoes what can they do about a claim that they uphold? Normally they would adjust the loan balance for the unpaid part of the PPI, offset the claim against any arrears on the account and refund the balance to the claimant. As they have assigned all rights etc to the dca, they can no longer interfere with the balance on the account (generally speaking). So what they have to do to put things right is to refund the entire premium to the claimant plus the interest they would have charged on the payments by the claimant and then plus interest on those payments by way of compensation, typically 8% statutory interest. They do this in the logical approach that if the dca has a figure that has been sold to them, that figure would still include some of the PPI but the bank can’t touch that. By refunding the entire premium plus the appropriate interest, they are assuming that the claimant will use that refund to pay off the dca and the bank are giving you back more than you have actually paid in order to fund that. Now whether the claimant has a dispute with the dca is beyond the scope of this article but this is a recent scenario that has cropped up and from the calculations we have been able to perform is an accurate representation as to what happened. So in this scenario you would put forward a claim for the total amount of the PPI premium plus the interest charged by the bank on the payments actually made plus the further 8% statutory interest on each payment actually made. So I am going to send a letter back (below)could anyone confirm I am doing the right thing as it does seem logical,maybe citizenB could comment thanks. Dear Samantha, I am writing in response to your letter of 16 February 2012 ref my loan and PPI payment and making me an offer of £2815,90 in total for the miss selling of PPI and refund plus Interest etc.so please see my response below as you have sold my debt on. Normally you would adjust the loan balance for the unpaid part of the PPI, offset the claim against any arrears on the account and refund the balance to me the claimant but as you have assigned all rights etc to the debt agency then I need to be put in a position were I can repay that debt or part of it. So what you need to do to put things right is to refund me the entire PPI premium plus the interest you would have charged on the payments by me and then plus interest on those payments by way of compensation, typically 8% statutory interest. So the debt agency has a figure that has been sold to them for my loan, that figure would still include some of the PPI but you the bank can’t touch that. By refunding me the entire premium plus the appropriate interest then I the claimant will be able to use that refund to pay off the debt agency and you the bank are giving me back more than I have actually paid in order to fund that. Yours Faithfully [EDIT]

From what he recalls the changes to the loans were all done over the phone, he does not remember any paperwork being signed. I have just dug out the letter that came back with the copy statements and it says quote- Details of when records have been deleted or disposed of do not constitute personal data and we are not obliged to keep a record of this .All paperwork that contains personal or financial data is disposed of in a secure manner.If you need full Data Subject Access Request DSAR information please write to us..

No just statements,below was the letter I sent them. Please supply me with copies of my bank statements which you hold on me in relation to any matter and in any form since 01/10/2007 Please note that I also require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this SAR, I shall also be reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [EDIT]

I will have to ask him whether he signed a new agreement as he has not mentioned it,I have done a SAR and got his statements do you mean a SAR to get any other information about his account ?, yes I just did the one spreadsheet just for my own purpose,cheers for the spreadsheets.

I believe Barclays paid the full PPI back even though only part paid and the Interest on the full amount of PPI premium,I will attach my spreadsheet so you can see the charges. I don't know if restructuring of loan twice included any PPI as they have not provided him any paperwork as far as I know. Maybe you can see from the spreadsheet if I have done it correctly,I have only put the charges on and not any Interest. PPI CLAIM 2011.xls

Thanks for your swift reply, I read the single premium yesterday,I am not sure about the fees for the loan account I will have to check but if its on his statement (as the loan payments are not a seperate account as far as I can see)I have included it,one question I have is I know a manager at barclaycard and she says Barclays pay the whole PPI charge back whether you finished paying loan or not as it takes too much manpower to work thing out is this true and has anyone had it happen to them with Lloyds. As to the charges I have only included those since he took the loan out.

Hi, I am doing this for my son but basically he took out a TSB loan back in Oct 2007 (ironically to pay off other debts)of £6000 over 5 years plus £1916 PPI both at 18.3% Interest, PPI total was a lump sum put into the original loan would be £2855 with the Interest it works out at nearly 48% of original loan of £6000 unbelievable. He had been trying to pay this loan off but keeps going overdrawn as he is finding it difficult as TSB keeps piling on charges for being overdrawn and it just makes matters a lot worse,he was unable to continue paying loan after 15 payments they restructured the debt but he was still unable to pay,they restructured again after 2years but he just could not afford it,they have finally sold the debt on and he is being harassed by them now (Credit Security Ltd). Apparently from what he remembers it was all done over the phone and he says he felt pressured into taking out the PPI, how on earth they can charge 48% of the loan in PPI charges is beyond me.He has been unable to service the loan as they keep charging him for going into overdraft its just a vicious circle, he has tried to come to some arrangement but still cannot pay loan and Lloyds have now sold the debt on. I have sent the PPI FOS Consumer questionaire off to Lloyds (over 3 weeks ago) and I have also sent a letter asking them to cease all the charges on the account,they have replied to the PPI saying they are investigating but nothing from the charges letter both sent by recorded delivery, in the letter for cessation of charges on the account I have informed them I will complain to the FOS under the hardship criteria if the refuse. Can I also chase them for all the fees that they have charged since he has not been able to afford the payments because the loan and PPI charges kept putting him in overdraft and he kept missing DD payments as well. I have done a breakdown of charges ie O/D interest O/D charges and returned direct debits total about £3900, I worked this out after I sent the SAR for his statements, I am also going to keep the PPI seperate from the claim back of charges thats if I can claim them back. I would be grateful for any assistance in sorting out this mess,ie did I do the right thing what should I do next PS I plan to get him to ring up this afternoon asking why no reply from the cessation of charges letter.