Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Dear Mr & Mrs


I can confirm that a response will be issued in the post to you today.

Kind Regards


Team Leader of Central Complaints | HFC UK
Camden House West, Birmingham, B1 3PY, UK

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

will be interesting to see what they offer

£50 squid i expect lol

So what would you call fair?

Looking through the FOS site it varies due to the personal circumstances etc etc...
I shall post up as soon as the offer arrives, if any of course lol.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

will be interesting to see what they offer

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you folks, yes will see what they come back with, afterall I think its only fair they pay out on all the inconvenience this have caused, the keeping on at them and so on.

Well they are hoping to send a response tomorrow, so whether or not its posted or they will mail it to the post tomorrow in this case I should receive the letter by Wednesday.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Yes I would only accept their offer on the basis that you will be seeking compensation from them and will be notifying them in next 7 days of the amount you are claiming in respect of reimbursement of out of pocket expenses as well as for a payment for considerable distress.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

looking good. presumably you could raise the question of compo for distress as a separate complaint to the bank, if they decline it, and then to the FOS anyway? on the assumption that you perhaps return the settlement form with a covering letter making the distinct point that you have require distress compo in addition to the PPI refund?

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hopefully this means good news on the further redress, received email below from HFC.


Dear Mr & Mrs



I am sorry for the delay.

I confirm I have forwarded your request to be further investigated and we
hope to issue a response to you tomorrow. I confirm that a separate
acceptance form will be issued to you, so if you want to sign and return
the PPI acceptance form and forward to the address on the form - thank you.

Kind Regards


Team Leader of Central Complaints | HFC UK
Camden House West, Birmingham, B1 3PY, UK
_____________________________________________

Internal Phone 7654
External Phone
Email

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

The email from the Adjudicator.....

Dear

As this offer has been made by a business that is out of jurisdiction of a service for this complaint. I am not able to comment on the contents of the offer that has been made by EPF.

Please let me know if you sign the acceptance or not. Once you have I will send a letter to you regarding this.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR |
E: @financial-ombudsman.org.uk

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Bet the Adjudicator read our letter by now in regards of HFC upholding our complaint.
Just waiting for him to come back to us now, also HFC about the further redress, they normally send a confirmation email, so I expect that is yet to come.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I have wrote to both the Adjudicator and HFC, sent by email about the further redress that was also requested for on the complaint letter they received last week, raised all points of the inconvenience, distress, expense of it all and so on, with a bit of luck we will get some feedback in the next few days.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Great result. Great thread. Well done!

Thank you all, its amazing people like you all that have given me the strength to carry on, cheers x

[MEGLOS]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

My letter received today.




Dear Mr & Mrs

I write further to the Financial Ombudsman Questionnaire received on the 14 September 2011.

I note your complaint is in regard to the Payment Protection Insurance (PPI) being Mis-sold on the above reference account. I can cinfirm that we previously issued you with a response on 3 June 2008 declining your complaint as we believed at the time the loan was sold via a Broker in the name of Click Finance Limited and therefore EPF Limited was not liable for the sale of the insurance.

However, it has now come to light after an investigation by Central Complaints Department with regard to your complaint reference XXX/XXXXXXXX that EPF Limited sold the PPI policy. Please accept my sincere apologies for any inconvenience caused as this certainly was not our intention.

I have now completed my investigation into the issues raised and have made a decision to uphold the complaint.

As a result of my decision, it is not my intention to respond specifically to the individual issues that have been raised other than to explain how I intend resolving the matter.

I propose to offer an amount in full and final settlement of tha above complaint against EPF Limited. The figure will effectively return the payment protection premiums that have been paid to date including interest. Details of the offer are shown on the Acceptance of the Offer Form enclosed.

The offer includes an element of 8% statutory interest. Subject to an individual's personal tax status, this statutory interest may be taxable and if accepted should be included in an annual tax return. Andy queries regarding this, should be referred to the local HM Revenue and Customs Office (formerly known as the Inland Revenue).

Should you wish to accept this offer, please arrange for the Acceptance of Offer Form to be completed and returned to EPF Limited. Please note the offer will only be processed upon receipt of the signed acceptance form and the offer will remain open for six weeks from the date of this letter, after which time it will be withdrawn, unless it has previously been accepted.

This brings to an end the steps available to you through our internal complaints procedures, as this letter constitutes our final response.

Please note EPF accounts did not fall under the jurisdiction of the Financial Ombudsman Service prior to January 2005. As your complaint relates to an issue that happened before this date, we believe the Financial Ombudsman service will not be able to adjudicate on this matter.

Yours sincerely
Complaints Investigator.

Premims paid from 30/08/2004 to 30/10/2005 - £1,771.54
Plus Interest at 8% - £847.56
Total Refund - £2,619.00

Great result. Great thread. Well done!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

and work out roughly how many hours spent on this matter x £9 something an hour (the figure you would get if you were in court) You will have to guestimate this of course but so many letters, research etc etc will add up to a good sum of money.

Great idea Tuttsi, will do thank you for that x

Re: Hamilton/HFC/Endeavour - Reclaim PPI

and work out roughly how many hours spent on this matter x £9 something an hour (the figure you would get if you were in court) You will have to guestimate this of course but so many letters, research etc etc will add up to a good sum of money.

Let us know what response you get for the distress compo request. Quote and refer to the numerous rejection letters and add, also, that part of that relates to your out of pocket expenses - all those letters, recorded posts, stationery, printer ink etc.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Excellent, and about to get on with this now, thank you.