PPI rejected claim now accepted due to pre-completed PPI policy Lloyds/Black Horse

[itsamomentintime]

word to the wise everyone

 

my PPI letter was rejected by Lloyds as they stated that they didnt have any details about me (car loan with Black Horse from 1999).

 

I did not have any bank statements from then, and

Santander had told me in writing that they didnt have any either.

 

 

However contacted Santander customer services (IN-BRANCH TELEPHONE - important) and

they managed to locate the errant statements.

(Important because this line of enquiry acually worked - use a telephone in-branch if you require statements)

 

contacted Lloyds again who confirmed the account number on the statements was correct.

They sent out a ppi claim form which was completed.

Then rejected.

 

 

I wrote back to them asking them to reconsider, and asking for a copy of the CCA.

 

 

What was interesting was that the PPI box was pre-typed in with 'GOLD'.

 

 

This was the age before online applications, and I argued that the PPI was not presented as an optional extra,

but rather was not discussed before I visited the sales office.

This is self-evident, and Lloyds know that they cannot prove that the PPI was discussed prior to me signing the CCA.

 

Therefore they have agreed to refund the PPI plus interest.

 

However, as a side note, the final amount is over £1300 short of what the PPI refund should be.

Make sure you analyze any offer you receive.