Lloyds TSB very old mis-sold PPI complaint update........

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Just thinking aloud here really..............

If I don't have the paperwork for this one (at least I've not found it yet!) and LTSB say they don't have it 'cos it's from so far back, so all we have between us is the account number and start/end dates with no actual confirmation (other than my memory, lol!) that there ever was PPI, I just wonder why they are so keen to refund and don't just say there wasn't any PPI on this loan and it's down to me to prove there was???

I just wonder whether they do actually have the paperwork, but are keeping quiet/denying all knowledge of it as they know that if they were to produce it they would end up owing me a heck of a lot more than the £1200 offered as a gesture of goodwill...............

I'm tempted to ask my adjudicator at the FOS what the likelihood is that they do indeed still have this documentation, but I guess she has no way of getting it out of them........

Anyway, back to searching through old boxes in case it turns up :tinysmile_hmm_t2:

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Just thinking aloud here really..............

If I don't have the paperwork for this one (at least I've not found it yet!) and LTSB say they don't have it 'cos it's from so far back, so all we have between us is the account number and start/end dates with no actual confirmation (other than my memory, lol!) that there ever was PPI, I just wonder why they are so keen to refund and don't just say there wasn't any PPI on this loan and it's down to me to prove there was???

I just wonder whether they do actually have the paperwork, but are keeping quiet/denying all knowledge of it as they know that if they were to produce it they would end up owing me a heck of a lot more than the £1200 offered as a gesture of goodwill...............

I'm tempted to ask my adjudicator at the FOS what the likelihood is that they do indeed still have this documentation, but I guess she has no way of getting it out of them........

Anyway, back to searching through old boxes in case it turns up :tinysmile_hmm_t2:

Hi Nellie

You have made a good point here now, because the last (2) I was successful on, I did not have much details to go by, I gave all the details I had, even requested for a copy of the loan agreements before the reclaiming by going through the normal procedures and was told they no longer held them.

What made me think - was on the letter they send when they upheld on them, they said I can request for the copies of the agreements which they held on these accounts, because that's what they obviously worked from, they must have had some details to have worked out the figures and to say they were refunding the full amounts etc.

Even thought I have put in the reclaims as on the other thread of the old loans mid 90's, I have yet a few boxes to get through :tinysmile_aha_t:, check if I have any details at all.

Di
xxx

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Latest update from the FOS is that LTSB definitely don't have anything other than the bare minimum of info on this loan - start/end dates, account number and that it did have PPI. However, they must have indicated to my adjudicator that they can't be certain that I didn't cancel the PPI or that I repaid the loan early. The latter cannot be true as the bank confirmed that the loan ran the full seven years and as for cancelling the PPI - there's no way I would have done that........I was so financially naive at the time that I was sure I had to have it and in the extremely unlikely event I did cancel it, it's even more unlikely that OH and I would then go on to take out a further 9 LTSB loans over the years that all had PPI (this loan being the first one either of us ever took out)

My adjudicator has said that what LTSB really need to see is the closing loan statement showing how much I had paid in full on the loan/PPI and whether I received any rebate when it ended - as the loan agreement itself (if I can find it) won't confirm that I paid the PPI for the full seven years, but unfortunately it is unlikely that I would have such a piece of documentation - and I'm guessing LTSB are sure I won't have it.

I'm still not convinced that LTSB themselves have no further info on this loan - it seems odd that they have kept a record of the fact that it had PPI, yet not the loan or PPI amount - but that's probably just the conspiracy theorist in me coming out as I guess that perhaps they do actually just keep a list of all loan account numbers relating to a particular customer.

Nellie x

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Nellie

Drat! So sorry to hear that, and to be honest I am expecting to receive the same letter as you.

And I agree that it is strange that they know you had PPI, and yet they state they have no details of the loan, ODD!!

I would be inclined to question them on that, and email that email address I forwarded you, see if she comes up with anything different, maybe worth a shot.

Oh thanks for email as well, just replied to yours too.

Di
xxx

[cappo]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Nellie

Drat! So sorry to hear that, and to be honest I am expecting to receive the same letter as you.

And I agree that it is strange that they know you had PPI, and yet they state they have no details of the loan, ODD!!

I would be inclined to question them on that, and email that email address I forwarded you, see if she comes up with anything different, maybe worth a shot.

Oh thanks for email as well, just replied to yours too.

Di
xxx

Hi girls, there the masters of smoke and mirrors,i can't even get them to admit i've got ppi, i'm sarring them but will the essential info be there.
------------------------------- merged -------------------------------

Just thinking aloud here really..............

If I don't have the paperwork for this one (at least I've not found it yet!) and LTSB say they don't have it 'cos it's from so far back, so all we have between us is the account number and start/end dates with no actual confirmation (other than my memory, lol!) that there ever was PPI, I just wonder why they are so keen to refund and don't just say there wasn't any PPI on this loan and it's down to me to prove there was???

I just wonder whether they do actually have the paperwork, but are keeping quiet/denying all knowledge of it as they know that if they were to produce it they would end up owing me a heck of a lot more than the £1200 offered as a gesture of goodwill...............

I'm tempted to ask my adjudicator at the FOS what the likelihood is that they do indeed still have this documentation, but I guess she has no way of getting it out of them........

Anyway, back to searching through old boxes in case it turns up :tinysmile_hmm_t2:

Hi nellie it should be down to the banks to prove that we did'nt have ppi or weren't misold not for us to prove that we did and we were, the fsa should be kicking some bums!

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Cappo & Di

I agree, it'a a right pain in the posterior and you're right Cappo - why should we be having to do all the hard work? Something's not right when they have a certain amount of info on our loans but typically not the most important part required to calculate how much we are owed

Regarding the SAR Cappo, I managed to get info going back 10 years in mine - unfortunately that wasn't far back enough to cover this particular loan, but hopefully yours will show up something you can make use of!!!

Di, I'll do as you suggest and contact them again using the email addy you provided and let you guys know whether that makes any difference - thanks again for that and for your email btw

Keep up the good work and thanks again you two,

Nellie xxx

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Cappo & Di

I agree, it'a a right pain in the posterior and you're right Cappo - why should we be having to do all the hard work? Something's not right when they have a certain amount of info on our loans but typically not the most important part required to calculate how much we are owed

Regarding the SAR Cappo, I managed to get info going back 10 years in mine - unfortunately that wasn't far back enough to cover this particular loan, but hopefully yours will show up something you can make use of!!!

Di, I'll do as you suggest and contact them again using the email addy you provided and let you guys know whether that makes any difference - thanks again for that and for your email btw

Keep up the good work and thanks again you two,

Nellie xxx

Your very welcome Nellie.
Hope you get a response this time with the answers you require.

Hope that email address is the lucky one for you, good luck.

Di
xxx

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Your very welcome Nellie.
Hope you get a response this time with the answers you require.

Hope that email address is the lucky one for you, good luck.

Di
xxx

Thanks Di - will send that email tomorrow and let you know xxx

I also read (think it was on a thread on MSE) that sometimes you get more info out of the branch you originally took the loan out in - unfortunately in my case that branch is now a launderette!!!

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Thanks Di - will send that email tomorrow and let you know xxx

I also read (think it was on a thread on MSE) that sometimes you get more info out of the branch you originally took the loan out in - unfortunately in my case that branch is now a launderette!!!

Good luck Nellie,

Lmao that would be difficult then wouldn't it with them now being a launderette lmao.
So did the Lloyds you used move anywhere locally to you?

Di
xxx

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Nellie

Hope your well honey.

I received an email 2 days ago from lloyds that they decided to uphold the 2 old loan ppi, as from the mid 90's, so basically 16 years ago, and have been offered the same as you as they are unable to find any documentation in relation of these accounts, so basically £1,200 00 for each one.

Have you heard anything further on yours? xxx

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Nellie

Hope your well honey.

I received an email 2 days ago from lloyds that they decided to uphold the 2 old loan ppi, as from the mid 90's, so basically 16 years ago, and have been offered the same as you as they are unable to find any documentation in relation of these accounts, so basically £1,200 00 for each one.

Have you heard anything further on yours? xxx

Sorry to have not responded sooner Di, but have had issues with my parents' health to deal with (still on-going, but trying to find a moment to catch up with stuff here!). Hope all is well with you and your family? That's great news about your two old loan PPIs - well done I have decided to accept the £1200 offered on mine as I don't think there's any chance now of finding the paperwork, it being so long ago and having moved several times in the interim. I'm waiting for a couple of others in DH's name to be resolved. These are in the early stages though so not with FOS as yet and hopefully this can be avoided. There's minimal info available on those also, so not sure if anything will be forthcoming refund-wise. Then I think there might be just one other old one to try with LTSB - but I've a closing statement for that and it doesn't look like a PPI rebate was received so I think maybe there wasn't any on that one.........

I did try emailing customer care about one of the two that are in the pipeline and their response was that due to the Data Protection Act they couldn't discuss this via email (I was posing as DH, btw!) so DH will have to call them himself I guess!!!

After that I've some potential complaints about PPI on car finance - but again these are from so far back we have no paperwork - to be honest I might just give up on those :tinysmile_hmm_t2:

Anyhoo, take care Di and keep up the good work

Nellie xxx

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Sorry to have not responded sooner Di, but have had issues with my parents' health to deal with (still on-going, but trying to find a moment to catch up with stuff here!). Hope all is well with you and your family? That's great news about your two old loan PPIs - well done I have decided to accept the £1200 offered on mine as I don't think there's any chance now of finding the paperwork, it being so long ago and having moved several times in the interim. I'm waiting for a couple of others in DH's name to be resolved. These are in the early stages though so not with FOS as yet and hopefully this can be avoided. There's minimal info available on those also, so not sure if anything will be forthcoming refund-wise. Then I think there might be just one other old one to try with LTSB - but I've a closing statement for that and it doesn't look like a PPI rebate was received so I think maybe there wasn't any on that one.........

I did try emailing customer care about one of the two that are in the pipeline and their response was that due to the Data Protection Act they couldn't discuss this via email (I was posing as DH, btw!) so DH will have to call them himself I guess!!!

After that I've some potential complaints about PPI on car finance - but again these are from so far back we have no paperwork - to be honest I might just give up on those :tinysmile_hmm_t2:

Anyhoo, take care Di and keep up the good work

Nellie xxx

Hi honey

Thats ok and I do hope things are all ok with your parents. Good luck as well with the ongoing things and hope it all works out.
I understand how busy you have been, moving house and family matters, so now worries.

If you think you have any others, then no harm done, give it a go, even if you lack paperwork they may still come back with an offer.

Do you still bank with Lloyds?

Reason being, when I emailed them, they did send me by email all account numbers of all loans accounts with ppi, yet I no longer bank with them, so if you do not and the loans are no longer active and if you don't mind them sending you by email, you could ask again.

Oh and cheers babe, I had so much paperwork in regards of the 2 older loans, but they were just bit of this and bits of that, so not exactly the info they require to work out the full amounts, so I am happy to accept as well and have now confirmed this to lloyds.

Will be a while before the refund cheques will be received though, going by posts over the road.

Well done to you too honey xxx:tinysmile_kiss_t4: xxxx

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi honey

Thats ok and I do hope things are all ok with your parents. Good luck as well with the ongoing things and hope it all works out.
I understand how busy you have been, moving house and family matters, so now worries.

If you think you have any others, then no harm done, give it a go, even if you lack paperwork they may still come back with an offer.

Do you still bank with Lloyds?

Reason being, when I emailed them, they did send me by email all account numbers of all loans accounts with ppi, yet I no longer bank with them, so if you do not and the loans are no longer active and if you don't mind them sending you by email, you could ask again.

Oh and cheers babe, I had so much paperwork in regards of the 2 older loans, but they were just bit of this and bits of that, so not exactly the info they require to work out the full amounts, so I am happy to accept as well and have now confirmed this to lloyds.

Will be a while before the refund cheques will be received though, going by posts over the road.

Well done to you too honey xxx:tinysmile_kiss_t4: xxxx

Hiya Di,

Thanks for your good wishes - unfortunately my parents are getting very old and frail and as mum has Alzheimer's things were never going to be easy, but now my dad has decided he's had enough of caring for her (and has had some health issues himself which has brought this to a head) and wants her put in a home whilst he sells their house and buys himself a flat :tinysmile_cry_t:
She of course cannot understand why he wants to abandon her after 50+ years of marriage. We are trying to work out what is the answer that will be best for them both - but whatever is decided, someone won't be happy

Regarding our friends LTSB - we no longer bank with them but I firmly believe I have ruffled their feathers so many times with all my complaining that they are determined to be as unhelpful as possible when it comes to my queries, lol - I'm paranoid, obviously, but it sure feels that way!!! Every time I email either customer care, or even the other addy (valeria whatshername!), I get the 'we can't discuss it via email 'cos of the DPA' response..............:tinysmile_cry_t:

Never mind - at least I know that one refund will be on its way eventually...........as you say Di, it certainly seems as though we're going to be in for a long wait for payment reading posts over on MSE Hope you don't have to wait too long for your two

Nellie xxx

[di30]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hiya Di,

Thanks for your good wishes - unfortunately my parents are getting very old and frail and as mum has Alzheimer's things were never going to be easy, but now my dad has decided he's had enough of caring for her (and has had some health issues himself which has brought this to a head) and wants her put in a home whilst he sells their house and buys himself a flat :tinysmile_cry_t:
She of course cannot understand why he wants to abandon her after 50+ years of marriage. We are trying to work out what is the answer that will be best for them both - but whatever is decided, someone won't be happy

Regarding our friends LTSB - we no longer bank with them but I firmly believe I have ruffled their feathers so many times with all my complaining that they are determined to be as unhelpful as possible when it comes to my queries, lol - I'm paranoid, obviously, but it sure feels that way!!! Every time I email either customer care, or even the other addy (valeria whatshername!), I get the 'we can't discuss it via email 'cos of the DPA' response..............:tinysmile_cry_t:

Never mind - at least I know that one refund will be on its way eventually...........as you say Di, it certainly seems as though we're going to be in for a long wait for payment reading posts over on MSE Hope you don't have to wait too long for your two

Nellie xxx

Hi Nellie

Aww bless you, I know exactly how you feel and its a very difficult time for you.

As you may remember, my dad passed aged 69 passed away from pnemonia just over a year ago, as he had a number of health conditions expecially with his lungs as he used to be a coal miner as well.

You may remember my post when it came to the point that dad had to go into an specialist EMI nursing home, as well as he also had alzeimhers and it came to the stage because of the number of health problems that there was nothing more any of us could do, mum got ill as well and as much as she wanted dad still home, the assessment unit said he required specialist care 24/7 which also involved qualified staff on hand at all times.

I certainly know how you feel babe and you can email me anytime if you want to talk ok honey. x


In regards of Lloyds, what a load of muppets!!
You know me and nag them silly and every email sent it sent to them all at the same time, who included the CEO.

Think they had enough of me as well lol :tinysmile_aha_t:, but like you, I no longer bank with them, and much happier with Co Op, so far so good.

I take it you copied all your emails to the CEO as well?

Perhaps you should tell them "it haven't stopped them before" lol.

Anyway honey, I'm sure the decision you will make in regards of your lovely parents, it will be the right one in the end, and you know where I am ok babe.

Take care, speak soon xxxx:tinysmile_kiss_t4:

[nelliewops]

Re: Lloyds TSB very old mis-sold PPI complaint update........

Hi Nellie

Aww bless you, I know exactly how you feel and its a very difficult time for you.

As you may remember, my dad passed aged 69 passed away from pnemonia just over a year ago, as he had a number of health conditions expecially with his lungs as he used to be a coal miner as well.

You may remember my post when it came to the point that dad had to go into an specialist EMI nursing home, as well as he also had alzeimhers and it came to the stage because of the number of health problems that there was nothing more any of us could do, mum got ill as well and as much as she wanted dad still home, the assessment unit said he required specialist care 24/7 which also involved qualified staff on hand at all times.

I certainly know how you feel babe and you can email me anytime if you want to talk ok honey. x


In regards of Lloyds, what a load of muppets!!
You know me and nag them silly and every email sent it sent to them all at the same time, who included the CEO.

Think they had enough of me as well lol :tinysmile_aha_t:, but like you, I no longer bank with them, and much happier with Co Op, so far so good.

I take it you copied all your emails to the CEO as well?

Perhaps you should tell them "it haven't stopped them before" lol.

Anyway honey, I'm sure the decision you will make in regards of your lovely parents, it will be the right one in the end, and you know where I am ok babe.

Take care, speak soon xxxx:tinysmile_kiss_t4:

Thanks so much for your kind words and lovely post Di - you really are an angel and I sincerely appreciate your support honey I do remember very well your own similar situation with your dear dad and guess I just have to accept that few of us are fortunate enough to not go through some kind of traumatic decision-making when it comes to our parents' health issues. I've spoken to my dad on the phone today (in fact DH is over there now, doing some chores for them as it's only an hour from his workplace) and he said he'd had a fall this morning - luckily onto the bed, so no damage done - and it sounds to me like he'd had another mini stroke, so we definitely need to get things addressed asap for them both as looking after my mum is truly taking its toll :tinysmile_cry_t: Trouble is they have always been very proud and resisted help and in fact due to her Alzheimer's mum is still like that, but my dad now admits he cannot carry on, especially in their large house. We're going over again at the weekend to try to discuss what their options are and hope we can reach a decision! Mum is also having an assessment done by the Alzheimer's specialist on Monday which I intend to be there for.

Back to LTSB, I've today emailed my acceptance form to the FOS, so now the long wait for the refund cheque begins in earnest. DH should hear about the first of his from this last lot too soon - hopefully it'll be another 'we don't have any documentation, so here's £1200' jobby, lol!!!

I do usually copy emails to our 'friend' the CEO, btw, but fear that with everything else on my mind at the mo, I omitted to do so when contacting them about DH's other PPI complaint..............silly me!

Thanks again for everything Di. Take care,

Nellie xxx