Lioyds ppi claim??

[peteg40]

Hello,
This is my first post in this forum and a very good and informative one at that..
My question is that i had a loan for £5000 a good few years ago and i thought i had paid up in full and forgot all about it :tung:... Then a few days ago i had a letter off lioyds with a statement of payments and a outstanding amount of £440, this made me think could i claim for miss sold PPI which was added to my loan at the time... i now have the account number as all paperwork i had for this and other financial matters i lost in a fire ..

I have sent a letter to their PPI section with the account number a couple of days ago (before i found this site)

Do i stand much chance of getting anywhere with this as i have no paperwork only the account number??

Thanks in advance for any replies i get

[di30]

Re: Lioyds ppi claim??

Hi and welcome

As long as you have good reasons then I can't see why not.

May I ask what reasons applied to you and what you told them, if that's okay? :tinysmile_twink_t2:

[peteg40]

Re: Lioyds ppi claim??

Thank you for your welcome and reply Di...
The reason I didn't do this earlier was I lost all the paperwork when we moved so I had no account numbers or anything else. I knew I had PPI when I took out the loan!!! Basically I told them that I wanted to claim back PPI on that account and told them that I had list all paperwork. And that I await their reply on this matter.... Pity I didn't find this site before I had written to them...

[peteg40]

Re: Lioyds ppi claim??

Di,
I have had two other loans with Lloyds, would it be worth me doing a SAR...... Only problem i have is that i have no account numbers for the other two loans, but i know that i paid PPI on all loans and none were done on line, all with the bank manager..
Also have had loans and a car loan with Welcome finance, but got no account numbers

[di30]

Re: Lioyds ppi claim??

Hi Peter
And yes I would most certainly give it a try.

A suggestion, a SAR will help, but also to say that I had statements hanging around (plus i did sar lloyds) but if also banked with lloyds, and have any old statements hanging around, you should find the loan account numbers on them.

How long ago did you have your loans and settle them?

If you dont want to SAR which will cost you £10, you could do it a cheaper way like request for the copies of the loan agreements, these however will cost £1 for each one agreement.
If you called into your local branch with the banking account number (even if you no longer bank with them) ask them to check the systems for you on all loans taken out with them and the account number for each loan, they must provide these to you if they still hold the details and they should do for at least the last 6 years.

When I SAR'd Lloyds I was fortunatel to receive info going back into the mid 90's.

To SAR Lloyds, if you banked with them, you do not actually need the loan account numbers but just the bank account number as they have to send you all info on all accounts you held with them.

Let me know if you require the Template letter (SAR).:tinysmile_twink_t2:

[peteg40]

Re: Lioyds ppi claim??

Thanks for advise Di

Yes please if you could let me have template letter for SAR thanks.

Had loans 10+ years ago so that could be the stumbling block i suppose!!

I banked with Lloyds for around 10 years, but i now bank with Halifax for the last 10 years or so, so i have no account number all i have is the loan number. So really not a lot to go on by the look of it!!

[di30]

Re: Lioyds ppi claim??

I shall dig this out for you now and post back with it shortly........:tinysmile_twink_t2:
Remember one SAR per business and not per account lol now that would work out very costly otherwise lol.....:tinysmile_aha_t:.

[di30]

Re: Lioyds ppi claim??

Here you are


[ Your Name & Address ]

The Data Controller
[ address ] Date:

Dear Sir/Madam,

Data Subject Access Request - Pursuant to the Data Protection Act 1998

Data Subject: [ xxx, address as above, and formerly of: ]

Please supply all data that your company holds relating to my entire account history. Whilst not exhaustive, for the avoidance of doubt I list below what I require:

o Full and legible copies of all contracts and agreements that have existed between myself and your organisation, including copies of any documents you hold in support of same. This is to include account no. [XXXX]
o Full and legible copies of all statements relating to the above accounts. This is to include all credits, debits, charges & interest applied to my account(s) including details of any instances that required manual intervention. It is also to include monthly account balances.
o Full and legible copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.
o Full unedited copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.
o Full and legible copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
o Full details and legible copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.
o Full and legible copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.
o Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of the same, and at the time it was held or provided to a third party.
o If any data has been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or documents confirming details of destruction. If you are unable to provide such certificates, then I require a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
Please be aware that the Data Protection Act 1998 clearly states that all information held must be disclosed and there is no correlation to the Limitation Act 1980 whatsoever. This request therefore lawfully includes any and all data which is older than six years. If you do not hold any data older than 6 years, then I require a signed declaration from your data controller confirming this, and a copy of all documents pertaining to its proper disposal.

All data - including data held on a microfiche or similar systems - must be provided within 40 days, and if you require a fee for this, then I enclose the maximum statutory fee of £10.00 – which must not be used for any other purpose. If you choose to waive all or part of the fee, then please be aware that you will still have a legal obligation to comply with this request. I thank you in anticipation of a prompt and full response and compliance.

Yours faithfully,

[ Sign ]



[ Print your name ]

Encl: £10.00 fee.
.................................................. ..................................................

[TheFamousCash]

Re: Lioyds ppi claim??

Would it help to post on FB page, "The People against Lloyds and TSB"?