Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Been doing some researching on Hamilton,


5. Complaints
If you wish to register a complaint, please write to Hamilton Insurance at PO Box 4718, Birmingham B1 3RF, or call us on 0845 603 5341.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

6. Financial Services Compensation Scheme (FSCS)
Hamilton Life and Hamilton Insurance are covered by the FSCS. You may be entitled to compensation from the scheme if the insurance providers cannot meet their obligations. This level of compensation depends on the type of business and circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

7. Ownership
John Lewis Financial Services Limited is a member of the HSBC Group, the ultimate parent company of which is HSBC Holdings plc. HSBC Holdings plc beneficially holds 100% of both the shares and voting power of HFC Bank Limited. The following insurance companies are also wholly owned members of the HSBC Group: HSBC Insurance (Ireland) Limited, HSBC Insurance (UK) Limited, HSBC Life (UK) Limited, London & Leith Insurance Company Limited, Marks & Spencer Life Assurance Limited.
Hamilton Insurance is a trading name of Hamilton Insurance Company Limited (Registered in England No. 1655888). Registered Office: 8 Surrey Street, Norwich NR1 3NG. Authorised and regulated by the Financial Services Authority. A member of the Aviva Group.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Wonder what my Adjudicator is thinking? he's bound to have read it by now. LOL.
All the other docs are on the way to him.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Well I have started to email, for start with the letter (all thanks to TBD)

One in the post with all the documents they require as well.

Email received here.....

Dear Mr & Mrs

Your attached letter has been duly noted. Once I have received your documents and the 19 July 2011 has passed, I will review in full

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020
E: m

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

It's totally irrespective, because when Direct Group/Aviva bought Hamilton, not only did they buy the business, they also purchased the liabilities for it as well - so it's completely irrespective who now owns it - the bottom line is that there was a Principal & Agent relationship between the insurer and the selling agent of the policy.

TBD.

Brilliant, thanks TBD

Well letter sorted all thanks to you.
All going off in the post, via signed for delivery.

I am to also email all the docs to him as well, so he has the details both ways, shall keep you posted.
Your a diamond, thank you.

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

LOL, fantastic!

Thank you so much TBD, myself and hubby appreciates this big time, I have read it and its fab and covers all points of the sale, of all involved.

The only question I do have is, the fact that Hamilton was bought from Aviva and Direct Group also have involvement with Aviva for claims, will that affect the case when it also comes to the FOS as well?

Am going to get on with the letter now, cheers so much.

Hi Di,

It's totally irrespective, because when Direct Group/Aviva bought Hamilton, not only did they buy the business, they also purchased the liabilities for it as well - so it's completely irrespective who now owns it - the bottom line is that there was a Principal & Agent relationship between the insurer and the selling agent of the policy.

TBD.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

good work guys. Just what these forums are all about.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

Just to let you know that your letter's in your inbox. Have a good read through it all - if there's anything you're not sure of - please drop me a line back. If you're happy with it - send it to our friendly adjudicator and see what he's got to say (I don't think he'll say much because I think it's pretty watertight).

Go get em tiger!

Regards,

TBD.

LOL, fantastic!

Thank you so much TBD, myself and hubby appreciates this big time, I have read it and its fab and covers all points of the sale, of all involved.

The only question I do have is, the fact that Hamilton was bought from Aviva and Direct Group also have involvement with Aviva for claims, will that affect the case when it also comes to the FOS as well?

Am going to get on with the letter now, cheers so much.

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

Just to let you know that your letter's in your inbox. Have a good read through it all - if there's anything you're not sure of - please drop me a line back. If you're happy with it - send it to our friendly adjudicator and see what he's got to say (I don't think he'll say much because I think it's pretty watertight).

Go get em tiger!

Regards,

TBD.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thought I would email Direct Group again, just to see what they have to say about EPF/Click Finance, who then questioned for more details on my email.


Dear,

Your contact has been passed to me and I would like to assist in resolving your queries. Unfortunately, I am unsure from your e-mails below as to the exact nature of your query and therefore unable at this time to advise you further.

If you could possibly provide a contact number to enable me to call you to discuss your queries then hopefully I will be able to assist. Alternatively please contact me on 01302 380438 at a convenient time for yourself between the hours of 9am and 5pm Monday to Friday when our office lines are open.

Regards

L
Head of Protection Claims
Direct Group Limited
Direct House, 4 Sidings Court, Doncaster, DN4 5NU
T – 01302 380438
E – l
W - www.directgroup.co.uk
Please think before you print





Then another email, after I explained......

Dear,

You are correct in your understanding that Hamilton Insurance was taken over by Aviva and the insurance currently remains with Aviva not Direct Group. Direct Group administers any claims made under the Endeavour Payment Protection Insurance policy on behalf of Aviva as a 3rd party administrator. The policy continues to be underwritten by Aviva and the premium payments for the policy are made to Endeavour. Direct Groups only involvement in this policy are from a claims administration perspective.

Unfortunately therefore I am unable to advise further regarding your query as to who arranged the insurance however I understand that Endeavour have advised regarding this in their recent correspondence to you which indicates that the business was introduced to them by Click Finance.

I am sorry that I cant assist further and as I remain unclear as to the underlying reason for this general enquiry I’m afraid am unable to provide any further guidance to you. If you could perhaps clarify for me the reason for the concern regarding who/where the insurance was arranged then I may be able to provide some further guidance.

Regards

L

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Nice one big dog at the end of the day i think all cmc's need to be taken on there professionilism and expertise and you guy seem to know your stuff, thanks for giving Di a hand with this, it means a lot to her to get a bit of help (i hope i don't sound patronising Di,i don't mean to):beagle:

Hiya

I agree Cappo, it does mean a lot to me, and so grateful that TBD have posted and helped big time, and no you don't sound patronising lol , and I never had a clue about these mortgage agents and assumed they were just standard brokers, so if it wasn't for TBD I would be none of the wiser.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

I'm working on it now. I'll be back to you before the end of tomorrow afternoon at the latest. Really sorry, it's been one of those days today and I'm a bit behind, but I'll have it ready for you for tomorrow afternoon,

Regards,

TBD.

Nice one big dog at the end of the day i think all cmc's need to be taken on there professionilism and expertise and you guy seem to know your stuff, thanks for giving Di a hand with this, it means a lot to her to get a bit of help (i hope i don't sound patronising Di,i don't mean to):beagle:

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

I'm working on it now. I'll be back to you before the end of tomorrow afternoon at the latest. Really sorry, it's been one of those days today and I'm a bit behind, but I'll have it ready for you for tomorrow afternoon,

Regards,

TBD.

Hi TBD

Hey don't worry, you have been busy too, I understand that.

So all in your own time if your feeling up to it, not a problem and a big thanks.
I am ever so grateful with the help and advice you have provided to me so far, I am finally getting my head round it all now lol.


Cheers

Di

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

TBD

Shall I just more or less write what you did about how these companies work and where our case fits in to this? ( in regards of a letter).

I have emailed the insurance group now known as direct group and waiting for a reply from them as well, so they can just confirm Endeavours connections of the PPI policy when it was under Hamilton.

Cheers.

Di

Hi Di,

I'm working on it now. I'll be back to you before the end of tomorrow afternoon at the latest. Really sorry, it's been one of those days today and I'm a bit behind, but I'll have it ready for you for tomorrow afternoon,

Regards,

TBD.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

TBD

Shall I just more or less write what you did about how these companies work and where our case fits in to this? ( in regards of a letter).

I have emailed the insurance group now known as direct group and waiting for a reply from them as well, so they can just confirm Endeavours connections of the PPI policy when it was under Hamilton.

Cheers.

Di

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

bloomin eck Di, was there a company in Britain not involved in your ppi?

Yeah I know mad isn't it?
My head is numb, but I have made a start by photocopying the required Click paperwork (wish I had found these before where this could have saved lots of time now) but not knowing who is/was responsible doesn't help.