@asklloydsbank Starting a Lloyds TSB - PPI Claim ***Claim Successful***

[ims21]

Hi Hass

 

First, what are your grounds for the potential reclaim of ppi?

 

Next, I take it you don't have statements for the credit cards. If you do, have them all, you will not need to SAR them because you will have ll the info on the statements. Also with the cedit cards you might as well go for a claim for the unlawful charges i.e. late fees/overlimit fees.

 

With regard to the loan you will need to SAR to get a copy of the agreement unless you know exactly what the ppi premium was and what the monthly payment for the ppi was.

 

If you can answer these questions we can take it from there.

 

Regards

 

ims

[ims21]

So are you saying that the ppi was a condition of the loan? i.e. that you wouldn't get the loan if you didn't have the ppi.

 

You need to have valid grounds for a ppi reclaim. "Not sure" or "Can't remember exactly" won't cut it. You need to have a solid arguement that you will stick to.

 

On the other matters, yes get those SARs off and get reclaiming.

 

ims

[ims21]

Hi Hass

 

Just thinking outside the box here and I know it is a quite a few years ago but I'm just going to try a Derren Brown approach.

 

Without looking at the screenshot you describe in an earlier post, do you remember the amount you wanted to borrow when you approached them? Please answer without looking at that screenshot.

 

Regards

 

ims

[ims21]

OK

 

and this is where it could fall down.....what does the screenshot of the loan say?

 

Regards

 

ims

[ims21]

Hi

 

Bu**er....I was hoping that the screenshot of the advance was going to be more than the figure you approached them for, the difference would have been the ppi premium.

 

What I mean is that you approach them for £7,500. They advance, say £8,000 and then immediatley take out £500. So if the screenshot showed £8,000 and you wanted £7,500, the ppi premium would have been £500.

 

Oh well.

 

Personally, I think they have more information than they have given. With the above I was just trying an easier route to get at a figure which you could made a preliminary claim with and they would have need to disprove it.

 

I'll have a think and post again shortly.

 

Sorry if I confused you....don't worry.

 

Regards

 

ims

Edited July 23, 2011 by ims21

[ims21]

Hi

 

Just seen post's post which is of course correct...I was looking to find some similar threads which may assist you.

 

So time to write back and tell them that you are aware of the regs and that they must supply the information you have requested which includes a full transaction history on all of these accounts.

 

You are free to report them to the ICO or take court action to force compliance.

 

Regards

 

ims

[ims21]

Hi

 

What I would do is write back giving them one final chance to comply fully within 7 days. In that letter you can mention that you are fully aware that under money laundering regs they are required to keep records for a period of six years following closure of an account. Telle them that they now have seven days as you are preparing to file a complaint with the ICO and also issue in court to force compliance.

 

Only threaten them with court if you are actually prepared to go through with it.

 

Regards

 

ims

[ims21]

Hi ims, you are right is better to hold off until is necessary thank again.

 

Should I use template 3 and add the extra para to it

 

Yep...sounds OK to me.

 

You might also like to read this thread if you have not already seen it

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**&highlight

 

Regards

 

ims

Edited July 24, 2011 by ims21

[ims21]

Hi Hass

 

Excellent letter

 

Regards

 

ims

[ims21]

Hi

 

And do keep us informed

 

Regards

 

ims

[ims21]

[ims21]

Hi

 

Lloyds seem to be getting more awkward by the day judging by threads I've been reading lately.

 

A good first point to take this further would be to have a good read of the following thread and the other linked threads within. It will be a bit of a read but will be well worth it I think

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**&highlight

 

Regards

 

ims

[ims21]

Hi Hass

 

Perhaps drop havinastella and andyorch a PM as they will be far more familiar with the legal process than I.

 

regards

 

ims

[ims21]

 

You'll be in good hands with either/both.

 

Jogs will probably soon empty his inbox of he's not on hols

 

ims

[ims21]

Or you can use the dx100uk method as follows..

 

Scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

hit the reply button

 

ims

[ims21]

Fon't forget...they need to be PDF files and not JPG files

 

 

ims

[ims21]

Hi Hass

 

The PDFs are fine...Andy can advise from here on the legals

 

Regards

 

ims

[ims21]

Hi Hass

 

This is sounding good then.

 

To make a donation, yu can either click on this donation link or scroll to the bottom of the thread and you will see a box with the text "Please consider making a small donation etc....." That too is a link to the donations page.