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Lloyds are apparently a set of bastards too.
I did these all myself. It's no more complicated than doing it through a claims company.
Yep I contacted Lloyds in 2012 asked to claim back PPI on all my loans I’d ever had with them and the Lloyds credit card I had at the time and then forgot about it went away on holiday and when I returned they had paid me back £20k !
I honestly almost fell over in the bank when I checked my account!
This is year I saw a ppi ad on telly that reminded me I used to have A MBNA card , went through Stanton Fisher and got paid £3k and had to pay them £1k of that .
still I’m happy with that as they did all of the work and it was a speculative enquiry.
It felt weird claiming against banks with whom I still currently do business, but hey! Fuck 'em, they would do the same to me.
I done it all myself a good few years ago and reclaimed PPI on an Egg loan. Only took me an hour or so, and got a cheque back for just under a thousand pound.
Mine was for PPI on credit cards, yes.
It turned out that the Ombudsman's office lumped my claim in with several thousand others as a sort of "class action".
Eventually Lloyds capitulated. I got back the price of the policy plus interest, plus "punitive" interest, just shy of 5 figures.
It can be a long game!
Turns out my bank loans (which I had been having since I left uni to use for cars) all had PPI on them.
I bank with First Direct. Like everything they do they were exceptional. Someone rang me to acknowledge the claim, and even rang me occasionally to progress.
Turns out the "claimed" amount was about £3k. However, cos they dated it back to 1996 or so the interest and punitive interest was huuuuge and they ended up paying out about £18k.
I was, quite frankly, staggered. It also bought the next car outright.
Because they sold you payment protection insurance on cards/loans.
a lot of credit cards at the time charged you for PPI each month whilst not making it clear that this was a separate insurance product and also that it wasn't mandatory .
If it was applied to a card that you held without being fully explained then you may have a case to a claim .