Lloyds tsb ppi

[geordie boy1960]

Hi all,

I’ve just received the info I asked for re SAR with Lloyds. I must admit much of it is computer speak with a nice big dose of gobbledygook thrown in for good measure.

As for the parts I understand I have attached them below, namely a copy of the cca for the account on which I have accepted their offer of miss sold ppi, along with the terms and conditions and a personal summary of both accounts (the terms and conditions for the second (disputed) account is not included as they have stated they cannot release information which is subject to an ongoing dispute.

As I have stated I want to try and get the loans written off as miss sold, whether or not this is achievable remains to be seen, but I have immediately noticed one anomaly, as I said in an earlier post I was not told that I had to be employed for a period on twelve months (with the same employer) before the insurance would pay out. On the personal circumstances section it states that the period is six months.

Also on both loans the Insurance advisor declarations are unsigned. There is another loan agreement which is prior to these where I had insurance protection and I intend to see if I can claim this back.

 

As usual I would be very grateful for any comments/advice.

lloyds pictures by micarr_bucket - Photobucket

[geordie boy1960]

Hi all,

The SAR info is now with the ombudsman but they say it could be a while before I hear from them. In the meantime I have recieved a letter from a Solicitor acting on behalf of Lloyds and he states that it is there intention to take me to court if I do not settle the account with LLoyds in Fourteen days. I have replied to this letter telling them that I look forward to meeting them in court. Updates as they happen, Whatch this space !!

[geordie boy1960]

Ive just checked my current account and found that LLoyds have repaid £1206.19 into my account, this means they have also paid my payments for the last three months (which I was unable to pay because of unemployement) this is a grand tortal of £3126.19 won back from them.

 

just shows you should never give up. Thanks to all who helped.

[MandM]

Well done GB

 

M

[geordie boy1960]

Hi all,

I havent been active for a couple of weeks basically because Im still awaiting a decision from the ombudsman. I will post as soon as known.

[MandM]

Hi all,

I havent been active for a couple of weeks basically because Im still awaiting a decision from the ombudsman. I will post as soon as known.

 

Could be a long wait on past performance. You may want to take up a hobby in the meantime

 

M