Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

And this here, saving it here to look back into this, further down the pages about three quarters down, there are details of Hamilton Transferring loan policies - HFC.

Hamilton Transfer

http://hamiltontransfer.com/library/...cument.DOC.pdf


For example as listed.......

Household Bank Personal
Loan Payment Protection

13063 07/10/03
Creditor Insurance Policies HFC Bank Limited 60 month term

Beneficial Loan Personal
Loan Payment Protection

13063bf 01/09/01
Creditor Insurance Policies HFC Bank Limited 60 month term and longer

Beneficial Loan Personal
Loan Payment Protection

13063 Oct 2003
Creditor Insurance Policies HFC Bank Limited 60 month term

Beneficial Loan Personal
Loan Payment Protection

13063 Jan 2004
Creditor Insurance Policies HFC Bank Limited 60 month term

HFC Direct Loan Payment
Protection

92144 Nov 2003
Creditor Insurance Policies HFC Bank Limited 60 month term

Hamilton Direct Loan
Payment Protection

92144 Jun 02
Creditor Insurance Policies HFC Bank Limited 60 months and longer

Hamilton Direct Loan
Payment Protection

91964 11.03L
Creditor Insurance Policies HFC Bank Limited 60 months

And so on.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Check this out here, of who underwrites PPI and so on, below I also copied and pasted some details of HFC/Hamilton.

http://www.competition-commission.or...xt/542_2_7.pdf

29. HFC Bank Ltd (HFC) distributed SMPPI, PLPPI and retail credit PPI though the brand ‘Beneficial Finance’ via branches, and through arrangements with retail partners.

22 On 14 July 2008 it withdrew its single-premium PPI products from sale, and on 6 October 2008 introduced a regular-premium product for customers taking out unsecured loans.

20

HBOS plc Annual Report and Accounts 2007, pp16–23.

21

HSBC Bank plc, Annual Report and Accounts 2007, p4.

22It also used to distribute SMPPI, PLPPI and retail credit PPI through the brands ‘Sterling Credit’ and ‘Endeavour Personal Finance’ by telephone, Internet and brokers.

30. HSBC, M&S Money and First Direct branded PPI was largely underwritten by third parties but a limited portion was underwritten in-house.

23 The majority of HFC’s PPI business was underwritten in-house until the sale of Hamilton Insurance Company and Hamilton Life Assurance Company to Aviva.24 LifeChoices is underwritten in-house.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Whilst searching more info I came across this online.


http://www.bank.org.uk/hfc-bank/


HFC Bank

The HFC (or Household) bank is a funny sort of animal- it has a few branches, but it doesn't have current accounts. HFC bank specialises specifically in lending, and does so through other companies you're more likely to have heard of. So if you have a GM Card, Freeserve card or a Marbles Card, HFC are the people behind it. If you have a credit agreement for a fridge-freezer or computer from Courts, Curry's PC World or Halfords, HFC are the people behind it. They also own Hamilton Direct Bank, which is one of those direct loan companies you can call up to get up to £25,000 cash.

All of this is very clever (for them). I know you won't feel sorry about this, but high street banks don't make much money out of us for our day-to-day banking. After all, when you stay in credit, you usually don't pay anything in charges. So HFC is a clever company- they just don't do day-to-day banking, and are only interested in lending transactions- the sort that will make them real cash. The bigger players soon noticed, and in March 2003 HFC was taken over and is now part of the burgeoning HSBC financial empire.

interesting, thx.
yeah, they also sell a lot of their stuff on as well. like my HFC card to marbles, who deny there being an ppi despite it showing up on statements!
I guess HFC must be to credit cards what GMAC is to mortgages!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di,

Just a thought and not sure if it will bring any results, but as HSBC is the big brother could you write to them explaining your difficulties and asking if they could shed any light on this complaint with regards to the hsbc group of companies being as you are the owner of HFC Bank as this complaint has already taken two years and you are no further forward in getting it resolved.

Worth a try I think and certainly worth the price of a stamp.

I would also say that you feel that you are being treated unfairly with the round around you are getting as no one seems to be taking responsability.

PF you taken the words out of my mouth LOL, On the bottom of the Endeavour paperwork/letters it shows HSBC as also being a member of the same groups, thank you for also suggesting this though.
Funny enough I have just got hold of the CEO details of HSBC as well so will get on with the letter this evening then, THANK YOU x

[pompeyfaith]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di,

Just a thought and not sure if it will bring any results, but as HSBC is the big brother could you write to them explaining your difficulties and asking if they could shed any light on this complaint with regards to the hsbc group of companies being as you are the owner of HFC Bank as this complaint has already taken two years and you are no further forward in getting it resolved.

Worth a try I think and certainly worth the price of a stamp.

I would also say that you feel that you are being treated unfairly with the round around you are getting as no one seems to be taking responsability.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Whilst searching more info I came across this online.


http://www.bank.org.uk/hfc-bank/


HFC Bank

The HFC (or Household) bank is a funny sort of animal- it has a few branches, but it doesn't have current accounts. HFC bank specialises specifically in lending, and does so through other companies you're more likely to have heard of. So if you have a GM Card, Freeserve card or a Marbles Card, HFC are the people behind it. If you have a credit agreement for a fridge-freezer or computer from Courts, Curry's PC World or Halfords, HFC are the people behind it. They also own Hamilton Direct Bank, which is one of those direct loan companies you can call up to get up to £25,000 cash.

All of this is very clever (for them). I know you won't feel sorry about this, but high street banks don't make much money out of us for our day-to-day banking. After all, when you stay in credit, you usually don't pay anything in charges. So HFC is a clever company- they just don't do day-to-day banking, and are only interested in lending transactions- the sort that will make them real cash. The bigger players soon noticed, and in March 2003 HFC was taken over and is now part of the burgeoning HSBC financial empire.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sent an email to HFC (although I plan to send a letter by hardcopy as well but thought give it a go by emailing with my query.
Apparently the email address I used is not live anymore.......
customerservices@hfcbank.co.uk

So if not live then why did they respond from it LOL, ok a automated response but still from the above email address.




Please note this e-mail address is no longer live. Please call Customer
Services on 0870 010 0453 with your query, we are open Monday to Saturday
9am - 6pm.

-----------------------------------------
SAVE PAPER - THINK BEFORE YOU PRINT!

This transmission has been issued by a member of the HSBC Group
"HSBC" for the information of the addressee only and should not be
reproduced and/or distributed to any other person. Each page
attached hereto must be read in conjunction with any disclaimer
which forms part of it. Unless otherwise stated, this transmission
is neither an offer nor the solicitation of an offer to sell or
purchase any investment. Its contents are based on information
obtained from sources believed to be reliable but HSBC makes no
representation and accepts no responsibility or liability as to its
completeness or accuracy.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sounds like a plan to me, now I will not be about much tonight or tomorrow as tomorrow is my birthday yup creaping closer to the big 50 lol

However I will look in where I can

Take care

Happy birthday p.f

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Well you deserve to get out there and enjoy yourself PF "Big time", after what you do for everyone else as well. X

[pompeyfaith]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di,

Thank you and yes I'm looking forward to some me time with my family as it is long overdue.

Regards

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sounds like a plan to me, now I will not be about much tonight or tomorrow as tomorrow is my birthday yup creaping closer to the big 50 lol

However I will look in where I can

Take care

Aww thanks PF and Happy Birthday for tomorrow, will have to get that posted up on the birthday thread!.
Have a good one anyway and have a fab time, thanks for all your help x:tinysmile_kiss_t4:

[pompeyfaith]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sounds like a plan to me, now I will not be about much tonight or tomorrow as tomorrow is my birthday yup creaping closer to the big 50 lol

However I will look in where I can

Take care

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thanks PF.

Going to give it a shot anyway.
My reason for doing this is in hope they give details of their own involvement of the loan, so with it not being a complaint as such directly to them, its just a dig for info.
I do have an email addy somewhere for these, so will also email them as well.

[pompeyfaith]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di,

There is is harm at all in writing to HFC in fact it can bring good results as not the same person will deal with it.

For instance:

I sent a SAR to the Co-operative Bank and was not happy with what they supplied and denied all knowledge of the loan I had in March 1999 so I sent another SAR 4 weeks later and low and behold the agreement turned up.

What I am saying is playing there game and giving them the run around gets results.

So when they start getting difficult like they are here it is time to up the anti but in a nice way

If it is good for the goose it is also good for the gander !!!!!! that still holds true

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thanks both.

Will have to have a word with hubby and see what he thinks.

I was just thinking by writing a letter though to HFC, they may just come back confirming themselves who was for what and who sorted what, even though we know that, but the Adjudicator could not find the links or relationships as such, if this is in writing then I can send a copy of the FOS.