LLoyds 'Cardholder Protection Plan'?

[dx100uk]

sent gold was another scheme like CPP was

 

 

yet to be attacked by anyone I think

[dx100uk]

there is no time limit on PPI

 

 

dx

[dx100uk]

if you go start a thread in the PPI forum

 

 

i'll moved your posts for you ford.

 

 

dx

[dx100uk]

posts moved over

 

 

card protection scheme was Lloyds version of PPI

 

 

the sentinel gold thing on the card too

is another type of CPP

but as yet I've seen no reclaims surrounding this

though there is a few posts on MSE

 

 

dx

[dx100uk]

only if you received a CCL does the 3 yrs apply.

 

this is a common theme that banks are now trying to pull.

 

if the bank did indeed send a CCL, and it was to the current address

then pers I think the PPI you have recouse if they pull this CCL letter string

 

BUT there are numerous examples that the CCL was sent to an old address

 

the FSA guideline clearly state that 'reasonable ' attempts must be made to attain the current & correct address

i'e by consulting credit ref files.

[dx100uk]

hey great news

 

 

now go nail em!!

 

 

dx

[dx100uk]

3yrs from CCL letter

 

 

dx

[dx100uk]

Yes

Lots of Lloyd's and cap1 claims in the early days were later revisited by the claimers or the oc with more money coming back

[dx100uk]

you only get 8% statint where the AC enters credit balance within any particular month

the very best sheet to use is the fosrunning sheet.

though that need a lot of info putting in but gets the job done.

 

you need to remember that monthly int is not APR, which all the sheets need

so you'd have to calc that

http://www.stoozing.com/calculator/apr-rate-converter.php

 

if you want a rough guide the use the fosci sheet.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

but you'll need to set the claim to date to the last date that they charged their int APR from.

 

then using the statint sheet take the total from the fosci sheet and enter that as a one entry whole figure dated the day after they stopped contractural int.

 

I could help?

 

dx

[dx100uk]

have you sent an sar?

[dx100uk]

in time for what?

[dx100uk]

ford just send the FOS customer questionnaire for now to them.

more can be fwded later

[dx100uk]

no

god you're confusing the be jesus out of me..

 

 

dx

[dx100uk]

I really wish you wouldn't use text speak on a forum

no-one else does it here only you..

 

 

the fodrunning sheet does a very good job

you are only entitled to sec 8 if the month was incredit

as for the order they take out things for your payment

I wouldn't worry

its never come up.

 

 

Lloyds generally are very good with their PPI calcs

[dx100uk]

you mean the FOSrunning spreadsheet.

is far as I know

that does factor in the 8% when in credit till day its settled.