Card Protection Plan & PPI are the same thing PROOF from Lloyds.

[tc5712]

Hope the attached helps some people.

 

I've seen a few threads that stated they were different things.

 

Got this letter from Lloyds today stating they are one and the same thing.

 

Kind regards,

 

TC

[citizenB]

Many thanks for this

 

So LTSB aims to provide all of its customers with a World Class banking service does it. Shame it has failed so miserably !!

[Old Cogger]

Many thanks for this

 

So LTSB aims to provide all of its customers with a World Class banking service does it. Shame it has failed so miserably !!

 

Come on = they certainly have i..e. Out of this World Class Banking! they should get out of this world?

[tc5712]

Service?? What beggars belief is that I have ALL the statements that THEY have provided me for this account via a SAR request detailing CPP was paid and this letter says they have checked their records and none was?

 

Muppets!

[citizenB]

Service?? What beggars belief is that I have ALL the statements that THEY have provided me for this account via a SAR request detailing CPP was paid and this letter says they have checked their records and none was?

 

Muppets!

 

My apologies, I missed that bit. If you have proof that there is PPI then you must challenge their decision and ask for it back.

 

Obviously their letter falls short of this World Class service they have said they want you to have.

[citizenB]

What I dont understand is why they say that you have said that there isnt any PPI/CPP on the account?

[tc5712]

What I dont understand is why they say that you have said that there isnt any PPI/CPP on the account?

 

 

That would be because when I initially made a claim to recover CPP they totally missed the subject line of the letter and replied with‘thanks but you didn’t have PPI on this account’.

 

So I sarcastically replied ‘Thank you for confirming I didn’thave PPI, this is about CPP’…. Etc etc

 

But now they have stated it’s the same thing!

Next letter with copies of the statements that THEY have sent me will be off on Monday

[citizenB]

Oh dear.. !!

[tc5712]

Sent this off today with copies of statements I've been provided. They can't refuse to pay out surely?

 

 

Thank you for your letter of 12/03/13 with your reference of xxxxxxxx in which you state that no PPI was taken out on this account.

 

 

 

You further go on to state that ‘Cardholder protection plan’ is the same as PPI. Thank you for confirming this.

 

 

 

From this point forward, for avoidance of all doubt, I wish to reclaim the ‘Cardholder protection’ payments as they are the same as PPI, a fact you have confirmed to me in writing.

 

I enclose copies of statements that YOU have provided me detailing ‘Cardholder protection plan’ payments via an SAR. I have included as many as I have been provided but I am sure this does not fully cover all the payments charged on this account.

 

 

 

Please investigate and refund all payments made with appropriate interest at your earliest convenience.

 

I look forward to hearing from you in the first instance of receipt.

 

Yours faithfully

[tc5712]

Have now had no contact since early April where they acknowledged this letter.

 

What are my options?

 

TIA all

[tc5712]

Update, finally received just under £600!

 

Don't give up, just keep on at them!

 

Thanks for all your help on this guys