PPI claim on a loan statue barred

vendredi 16 janvier 2015

Hi, I hope you can help. I am currently claiming a PPI through the ombudsman as my complaint was rejected by lloyds. My first loan was in 94 and then I had another in 95, this was paid early by another loan I took out. All loans had a PPI claim against them I was aware of them only because I was advised the only reason I could take a loan out was by protecting the payments PPI. However more than a year into my loan I ended up being dismissed from my job so had no choice but claimed on my PPI . I was rejected because instead of claiming job seekers allowance I was claiming income support? The reason being I could not prove I was actively seeking work? This was roughly 1997/98 due to this I ended up in bad debt the banks were not helpful and offered no help to reduce my payments, instead they added interest gave me charges etc. I was a single parent and sold off lots of my personal stuff to help with repayments I manage to keep the payment up for a good few months until I no longer could. To cut a long story short the loan kept getting interest added until I stopped payments. Eventually after years they stopped sending me letters etc. I have now claimed against the PPI on all loans but was rejected by Lloyds. I sent away for my accounts by sending a cheque for £10 to SAR team in lloyds. It did prove each loan had a PPI I sent this information to the ombudsman as well as a copy to lloyds but typical lloyds never received their copy although ombudsman received theirs. I have now left this in the hands of the ombudsman but my question is, do you think that because my loan was not fully paid of and is now statue barred will that have an effect on their decision? If I was to receive anything would they offset this on any outstanding money I owed? Any help would be helpful..x





PPI claim on a loan statue barred

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