Mr Chip

[Chipnharv]

Hi, I have PPI on old loans with a Lloyds I payed off but the last loan I defaulted on and has become statute, if I claim the PPI on the old payed off loans will Lloyds refuse or just use them to pay off the defaulted loan, should I just let sleeping dogs lie...

[Amethyst]

The older loans that you settled should be absolutely fine to claim back PPI on without causing any issue. The final loan may have the PPI taken off of the balance, but if, as you say, it is over 6 years since you defaulted and no action has been taken to recover it, it should be statute barred and has likely been sold on/written off anyway - so that should also be fine and the cheque should come direct to you ( if your claim is upheld). Were each of these loans consolidating the previous loan and a bit extra or were they all entirely independent ?

So for claiming....

How to check for PPI and make a complaint


Please ensure you have any information you require to hand, as our forms will time out after a 15 minute period of inactivity and you will need to complete the form again.
If you would like to talk to us before you get started, you can call our dedicated number for PPI complaints on 0800 151 0292 or +44 (0)207 649 9015 (lines open 8am to 6pm Monday to Friday and 9am to 2pm Saturday).

If you have a concern about how your PPI Policy was sold, it's easy for you to contact us directly. You don’t need to use a Claims Management Company (CMC) who will take a proportion of any compensation you may be due.

We assess complaints sent directly to us in exactly the same way that we treat complaints from a CMC, so you won’t be disadvantaged by coming direct to us. Checking for PPI


We only need a few details from you to check if you’ve had PPI on a product from any of the brands listed above, including your name, address and date of birth. The form should take less than 5 minutes to complete.

Check if you have PPI



Making a PPI complaint


If you already know you’ve held PPI on a product from any of the brands listed above, you can make a complaint using our online form, by telephone or in writing.
Our PPI Complaint Form should take no longer than 15 minutes to complete and you’ll need to provide your name, address and date of birth. Please also tell us why you’re unhappy with the PPI policy you took out.

Make a PPI complaint

You can also make a PPI complaint over the phone by calling us on our dedicated number for PPI complaints on 0800 151 0292 (lines open 8am to 6pm, Monday to Friday and 9am to 2pm Saturday) or +44 (0)207 649 9015 if you are calling from abroad.

PPI complaints can be made in writing, please write to us at Lloyds Bank, PPI Customer Services, BX1 1LT.