Lloyds Credit Card PPI

A question about : Lloyds Credit Card PPI

I phoned Lloyds PPI claim line regarding PPI on various credit cards I had over a 12 year (I think) spell. I told them that I was unaware that PPI existed at the time of receiving the cards. A few days later I received a letter stating that Lloyds Bank had already been investigating those accounts and that I would be informed of their decsion within 8 weeks. Today (12 weeks later) I phoned Lloyds to find out what was happening and was informed that I had been sent a letter (which I never received) to inform me that as I didn't have any PPI on those cards, my claim had been rejected. I have asked for that letter to be re-sent to me, along with all terms and conditions of each card account and their reasons for rejecting my claim.
I have in my posession, a document from 2012 - Annual Review of Payment Protection Insurance on Your Credit Card which, among other things shows Monthly cost of Payment Protection Insurance for every Ј100 of monthly benefit = Ј15.80.
Am I doing this right or am I way off track with my understanding of how Credit Card PPI works? What next?
Thanks for any help anyone can give.

Best answers:

• Thanks. I no longer have any statements for those accounts, although I was maxed on one card at nearly Ј10,000. I guess I'll never know now.
• Ask them for statements of your account even if you have to pay Ј10 for a SAR. Lloyds are colossally inept with their record keeping and the PPI case handlers are targeted on case volume and not quality.They only have 40 minutes in total to look at a complete case from start to finish, including drafting the final response letter.
• Thanks for the replies guys, I've been away so only just read them.
  Here's a copy of the document that I have that made me think that I did have PPI. The original certainly has the correct address and the correct credit card number. If I'm incorrect in my thinking that I had PPI then I'll give up.
• Well, that certainly shows that you held a PPI policy and the cost of it in 2012. Why didn't you include this evidence as part of your original complaint?
  However,
  You had an average outstanding balance of Ј8.47!
  You paid a PPI grand total of 86p in the whole of 2012!
  If you have conducted your account in that manner during the whole 12 years you've held the card, then any PPI refund will be tiny.
  If I were you I'd wait to see exactly what the rejection letter from the Bank actually says before taking any other action. It may be that you misunderstood the operator who apparently told you that you didn't have PPI and that your rejection was for another reason entirely.
  If you find that they have indeed rejected on the basis that you had no PPI, then you'll have to send a Subject Access Request (SAR) letter to see what records they have kept on file for you.
  Unfortunately, although your evidence is pretty conclusive that you had PPI, it's not going to help you recover payments from other years if the Bank no longer have records.
  See what their letter says first
• Hi Folks, I've just had a chance to catch up.
  Firstly, I've sent a SAR request as suggested.
  Secondly, I made an error in saying my card maxed out in 1997....it was 2007. That happened over a period of a few years as whenever I got near maxed out Lloyds just upped my credit limit. It was brought to my attention in 2007 by a teller at my local bank who rightly informed me that I would be better off getting a loan to pay off the card. This I did, and was able to pay the loan off the next year due to an inheritance I received. I took advice and had my credit limit reduced to Ј3,500.
  In 2012, my card was compromised somehow and was cancelled and a new one issued.
  The reason this stretches out over a long period is that when I phoned to ask about PPI a few months ago I was given a reference (complaint) number. The letter from Lloyds that followed, in effect said that they were investigating 3 accounts (which stretch back quite some time) and that my original complaint number had been cancelled and I was issued with two new ones. Only one of these new reference numbers was mentioned in the rejection letter. When I asked the advisor about the other number she just said that probably they had been treated as one case.
  Anyway, my SAR is off and I'll keep this board posted on whatever happens.
  Thanks again, all your comments have helped a great deal because this is unknown territory to me. When I phoned about PPI on my various loans, I had a payout put into my bank account within a week, with the offer in writing arriving two days later...as easy as this has been complicated.