lloyds scums

[eryca313]

Re: lloyds scums

so what letter do I have to send to Lloyds now. a reminder of the original complaint including that they have not been dealt with the case correctly or claim PPI?

and is it right from Lloyds Tsb to advice me that the only way out from the overdraft charges is to take a long term debt commitment?

[di30]

Re: lloyds scums

If you still have the loan agreement, this would show if PPI was added or not.

With my experience of Lloyds they added it automatically and was not given any discussions on the PPI, they were also sold direct in the branch.

For this reason I made a reclaim on the PPI, and have been successful so far in the reclaims made plus interest.
I do however, have 2 more ongoing with them but are currently still sitting with the complaints dept being dealt with....or they should be anyway.
I could never make a claim on them anyway, and was only receiving my children's benefits at the time as well, and my hubby has pre medical conditions at the time of taking the loans out, where-as the ppi would not pay out for these actual reasons.

If you no longer have the loan agreement, you could write a simple letter, enclose £1 cheque or postal order, enclose your loan account number as well, and ask they provide a copy of your loan agreement by 12 days of your letter.

[di30]

Re: lloyds scums

If you were made redundant, give them a ring and ask them if your paying insurance, it may be worth you making a claim if your paying for this ie: for being made redundant, they should meet up with your usual monthly payments, but............what they normally do is pay it into your account every month, but they will still continue to take the loan repayments, and it does not always work out the same day either.

But again if mis sold you could think about making a full reclaim on the ppi, then cancel the ppi, so your monthly repayments would therefore be reduced every month if you succeed.

However, if there are missed payments, they may not pay out anyway, so if this is the case and was mis sold for any reason you think you may have, then go for the reclaiming, check this link out here.
http://www.legalbeagles.info/forums/...ad.php?t=10646


I am not sure about the overdraft issues here, but hopefully someone will be along soon to advise on that one for you.

[eryca313]

Re: lloyds scums

I have found my agreement but I cannot see anything on it regarding PPI. I will scan the agreement and will try to upload it so you can take a look. but I read it through and I am pretty sure I hvnt got any protection.

the interest is 10% (APR) but thats all it says.....

[di30]

Re: lloyds scums

I have found my agreement but I cannot see anything on it regarding PPI. I will scan the agreement and will try to upload it so you can take a look. but I read it through and I am pretty sure I hvnt got any protection.

the interest is 10% (APR) but thats all it says.....

Yes please do scan it up and attach if you can, this can be checked out for you.
If you can though delete your account number and personal details, name/address too.

The agreement should show the amount borrowed and if ppi taken there would be a cross or a tick.

[eryca313]

Re: lloyds scums

i can upload 2pgs at the moment but will do the rest as well

[eryca313]

Re: lloyds scums

in some reason I cannot upload the 3

[eryca313]

Re: lloyds scums

hope this helps

[leclerc]

Re: lloyds scums

There's no PPI on that account. I have a lloydstsb loan and that is the format they use and does not include PPI

[di30]

Re: lloyds scums

Thanks for this.
These agreements looks lots different now, did they also give you one to sign?

[di30]

Re: lloyds scums

There's no PPI on that account. I have a lloydstsb loan and that is the format they use and does not include PPI

Cheers leclerc, they certainly have changed the look on the agreements now it seems.
But your right, I can't see they added ppi either.

So your unable to make a claim for redundancy, as there is no cover on this.

If your having difficulties with having to pay your finance, have you tried contacting the free debt organisations?
Sorry if you have already posted up and mentioned this.

Check the nationaldebtline, they also have some useful letters to send to creditors, but hopefully someone will have better advice to give than myself here on this site, worth checking it out though, and there are other free debt organisations as well.

http://www.nationaldebtline.co.uk/

http://www.cccs.co.uk/

http://www.payplan.com/

Try not to go with organisations that charge though, the above are all free.

[eryca313]

Re: lloyds scums

yeas they have sent me a separate letter to sign and yes I have contacted national helpline but I have not received anything from them since November....

should I send Lloyds another letter?

[di30]

Re: lloyds scums

yeas they have sent me a separate letter to sign and yes I have contacted national helpline but I have not received anything from them since November....

should I send Lloyds another letter?

Hi
Yes you could and post it by signed for/recorded delivery, you can therefore check the status of delivery/proof on The Royal Mail website, Track & Trace.

I know Lloyds can be hard work and it takes lots of keeping on at them, if they refuse to help which is putting you in any hardship difficulties maybe you could complain to the financial ombudsman service (FOS), because the longer it goes on the charges will raise, the quicker they deal with it and help this could all be avoided.

[eryca313]

Re: lloyds scums

would you be able to help me with the letter I have to send now? because I think sending the same letter one more time will not have the same effect. also what letter should I send to FOS the original copy of the complaint I sent first time or this will be a different one as well?
thank you

[di30]

Re: lloyds scums

Hiya

I will have a word with someone on here about putting a letter together for you, is that ok?