Hi everyone
This is my first post on this forum.
I made a claim for mis sold PPI to Lloyds TSB and they have recently come back with an offer of £895.22. I haven't accepted it yet but they have already put the money into my account and have advised me not to spend it while I take my claim to the Financial Ombudsman!
I have had a loan with Lloyds TSB since 25/02/2002 and still do but over the years I have either increased the loan or changed the monthly repayments. I guess they refinanced them each time so they show as 6 loans including the current one:
Loan Number Date
*********544 25/02/2002
*********583 20/09/2002
*********887 31/01/2003
*********582 09/12/2005
*********851 09/05/2008
*********511 29/01/2010 to present
I did cancel the PPI payments around Feb 2010. I was expecting a much larger payment offer from Lloyds as I was paying PPI almost 8yrs. I called to ask them to explain but I didn't really understand what the woman was saying but I think she was saying I had had PPI refunded when I refinanced the loan?
Would anyone be able to tell me if I have been treated fairly or if I am owed more from Lloyds?
I have added a link (below) to a dropbox folder which contains my PPI reclaim letter to Lloyds, Lloyds offer letter and scans of all my loan agreements for the above 6 loans. There is also a pdf called 'Loan Summary and Bank Statements' in which I have collated all the loan agreements figures with samples of bank statements showing what Lloyds paid in and took out from my account in relation to the loan.
https://www.dropbox.com/sh/3l0f9cbtjja57n6/co6MqjyQo5
Please let me know if you need any more information but any help would be greatly appreciated.
Thanks in advance
22looking
This is my first post on this forum.
I made a claim for mis sold PPI to Lloyds TSB and they have recently come back with an offer of £895.22. I haven't accepted it yet but they have already put the money into my account and have advised me not to spend it while I take my claim to the Financial Ombudsman!
I have had a loan with Lloyds TSB since 25/02/2002 and still do but over the years I have either increased the loan or changed the monthly repayments. I guess they refinanced them each time so they show as 6 loans including the current one:
Loan Number Date
*********544 25/02/2002
*********583 20/09/2002
*********887 31/01/2003
*********582 09/12/2005
*********851 09/05/2008
*********511 29/01/2010 to present
I did cancel the PPI payments around Feb 2010. I was expecting a much larger payment offer from Lloyds as I was paying PPI almost 8yrs. I called to ask them to explain but I didn't really understand what the woman was saying but I think she was saying I had had PPI refunded when I refinanced the loan?
Would anyone be able to tell me if I have been treated fairly or if I am owed more from Lloyds?
I have added a link (below) to a dropbox folder which contains my PPI reclaim letter to Lloyds, Lloyds offer letter and scans of all my loan agreements for the above 6 loans. There is also a pdf called 'Loan Summary and Bank Statements' in which I have collated all the loan agreements figures with samples of bank statements showing what Lloyds paid in and took out from my account in relation to the loan.
https://www.dropbox.com/sh/3l0f9cbtjja57n6/co6MqjyQo5
Please let me know if you need any more information but any help would be greatly appreciated.
Thanks in advance
22looking
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