PPI Lombard Direct refusal. (Not sure what to do next) Help appreciated;-(

[omollmeg]

Good evening,

Any help with the following would be much appreciated as seem to have hit a brick wall ;-((

 

My partner had/has 10 separate loans for 10 separate vehicles which he didn't realise he was paying PPI on each individual one.

 

We have followed all the correct procedures to reclaim and have received by registered post a big wad of all the agreements all signed by my

partner and basically presenting their findings in which they state

-Lease Purchase Agreements and Terms

-Insurance Premium Agreements

-Demands and Needs Statements

-Keyman Cover Summary documents

saying we have signed to confirm acceptance

 

.......

"as a result of my investigation, I am sorry that I am unable to uphold your complaint. I feel it is clear from the documentary evidence provided were aware that cover was to be applied to the agreement"

 

and goes on further to say about going to the FOS if not satisfied etc etc

 

My partner remembers being told that he would not get the loans unless he took out the agreements and that as soon as everything was agreed they would be removed so he pretty much had his hands tied ;(( but how on earth can I prove it?????

 

Please any suggestions would be more than welcome.

 

Thank-you

[dx100uk]

them speculating their processes were perfect is VERY wrong.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

[citizenB]

If you disagree with them, you can respond to each point rebutting it. Give them one last chance to reverse their decision. But don't give them too much time as it will eat into the 6 months that you have in which to go to the Ombudsman.

 

If they had implied that you would not obtain the loan without the PPI, then that was not permitted.

[omollmeg]

Thanks guys, kind of thought this but wasn't sure how to go ahead. So in short you say go back to them disputing each point? Before FOS? Do you know if there are any template/correct format letters I should be writing.

 

Thankyou or your help;)

[omollmeg]

Thanks for your help,

Just to keep you up to speed a letter has been sent and am awaiting a response which should be imminent;-)

[omollmeg]

Hi again,

 

It has now been 7days past the 14 days I gave Lombard to respond to my letter and still nothing, i thought i'd wait a little longer because of bank holiday etc ;-(

I stated that I would go to the ombudsman if they did not comply so would you advise making a call to them(Lombard) first? to make sure they received

the letter as stupidly I did not send it registered post.

Or just go straight to the ombudsman??

urghhhh ;-))

Thanks all

[dx100uk]

yes

 

dx

[omollmeg]

Advice - Sorry is that "Yes" call Lombard r "Yes" go straight to Ombudsman?

THx

[dx100uk]

Lombard first

 

dx

[BRIGADIER2JCS]

May I enquire please was the data you received provided as part of a formal Subject Access Request made under the Data Protection Act 1998?

[omollmeg]

HI,

In answer to your question NO it wasn't.

I've also now had email correspondance just to whether or not our letter was received and am awaiting a letter immenently.

Thx

[BRIGADIER2JCS]

HI,

In answer to your question NO it wasn't.

I've also now had email correspondance just to whether or not our letter was received and am awaiting a letter immenently.

Thx

Ok, I was wondering if because this data was provided without a SAR if it was complete.

[omollmeg]

Hi again,

In my letter I stipulated a 14 day response however it has now been over 40 days and still nothing.....

Any suggestions please.

Many thx

[omollmeg]

Ok,

Not good news:( Lombard will not uphold our complaint and they are confident that the insurance cover was not mis-represented.

They have said we can refer our complaint to the FLA if we are still unhappy!!

 

They have thoroughly looked into our case and I am shocked they have come to this decision, I realise that we signed for the cover however

the mis-representation was the fact that we were told that we wouldn't get the loan for the amount of vehicles we required without it and

that it would better our chances.....and then it would be removed once all the loans had gone through.

 

Has anyone else had this problem or got this far ??

Advice desperately needed.

Many thx ;-((

[omollmeg]

Please help.....

 

I have follwed all the correct procedure and nothing.

 

I went to the FOS as totally mis sold PPI and not only did they send me a letter today which was the wrong letter they have

also said that LOmbard North Central Plc are not under their jurisdiction and there's nothing they can do...............

 

Does anybody have any further advice as I feel totally cheated.After speaking to FOS I did not feel any better as the girl on the phone was

of little help and kept putting me on hold to make sure she had said the right thing ;-((

 

Please help

Many thanks

[citizenB]

I thought this was under the jurisdiction of the FLA ?

 

 

I will ask dx to look in on you.

[dx100uk]

probably pre FOS?

 

so yes try the FLZ.

 

dx

[omollmeg]

Thank you

I will look into it now.....as not sure what FLX is.

 

Regards

[omollmeg]

Sorry meant FLX unless someone can decode for me??

Thx

[omollmeg]

OMG, sorry keep typing FLX I maen FLZ )

[dx100uk]

my typo to fls.

[dx100uk]

sri FLA

 

dx