Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I reckon they are all in it together Di. I know its not the view of everyone but I honestly believe that they all work for each other. Has TBD made any comment yet? I am glad you are letting this go to the Ombudsman Di. You need someone to take responsibility. Why has FOS collected all this data on the insurers side of things? Is it to pre warn firms of future claims perhaps.... I know that is a warped view to have but its begs the question of why oh why???????

Thanks for posting up Marshallka, and I agree.
I'm sure TBD will be here soon.
I have until the 5th August to get back with any further evidence.
I really don't know what else I can provide really, but may do some digging with both Aviva and Direct group where both of these had taken over from Hamilton, not sure if it will help but anything's worth a try.

Goodness knows what they are doing with the data.
The thing now is because its been with the FOS so long now I will not be able to take if the small claims route, but feel all this with the FOS have been a waste of time.
I have to admit though, I will be glad to get this moved to the ombudsman, but let's hope he or she will see through this one.

Will keep you posted xx

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Bloody hell

XX Marshy!!!---Where you been

[marshallka]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I reckon they are all in it together Di. I know its not the view of everyone but I honestly believe that they all work for each other. Has TBD made any comment yet? I am glad you are letting this go to the Ombudsman Di. You need someone to take responsibility. Why has FOS collected all this data on the insurers side of things? Is it to pre warn firms of future claims perhaps.... I know that is a warped view to have but its begs the question of why oh why???????

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I am tamping to be honest, but it was something I was expecting anyway.

I even supplied him with the copy of the paperwork with the logo of Endeavour with the details of Hamilton insurance. Everything I posted on here (lenders/brokers/insurance docs) is what I sent him in copies, and only a mortgage packager would do that sort of work, this adjudicator obviously does not have a sodding clue!

So when he says Concrete what on earth should that be then?

Do you think the FSA would know anything about these matters? mortgage packagers the involvement as such?

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sorry about the 2nd part of the letter above, but here is one I just hand copied myself of that actual page.


I therefore can only base my conclusions on the documents I have on file, of which none provide concrete evidence to suggest Click was an agent of Endeavour and ultimately that the underwriter Hamilton Insurance Company Limited would be responsible for the sale of your policy.

Because of this, I do not believe we can consider your complaint further. I appreciate that this is likely to come as a disappointment to you. I know that this is not the outcome you were hoping for. But I hope that my explanation has been helpful in settling out clearly why I have taken this view.

However, if you disagree with how I have reached my conclusions, please write and tell me by 5 August 2011 - setting out your reasons and including any evidence that you have not already provided and that you think is important to your case. Could you please let me know now if you plan to reply fully but do not think you will be able to meet that deadline.

As we explain in our leaflet, your complaint and the ombudsman, consumers have the right to ask an ombudsman to review the opinion that the complaint cannot be considered further. But if we do not hear from you by 5th August 2011, we assume that you have decided not to pursue the complaint further.

Yours sincerely


Adjudicator.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

It finally arrived, but again as also expected, not good news!

What on earth have he done to my Click paperwork then, if that's not evidence then what on earth is?? I will be taking this to the ombudsman, so any further help on this please I will be ever so grateful.

A copy of his email and letter below.......sorry I don't know how to shrink down to size, some little words are missing on the end, but the main of it is there.

Dear Mr & Mrs

Please find opinion attached.

Please note I will now be on annual leave till 1 August 2011 and will review any response you make on my return. A copy will be sent in tomorrows post

Yours sincerely

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

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

And as expected...........no email from him today of his opnion!!!

Incompetant!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

............and waiting
My feeling is, he will either send it last minute before the end of his working day, or email to say he is getting his manager to check first (experience of him so far this has happened can be rather slack ,or he will make us wait until tomorrow the last day of the week, at the very last minute!!

I know he did say today going by his email, but I emailed him earlier to make sure, but not a reply up to now........



Dear (Mr Adjudicator)

Thank you for your email you sent yesterday in regards of the posting of your opinion.

Please could you tell me if I will receive this by today then? many thanks.

So I can just keep a look out for it.


Kind Regards

Dizzy

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

And waiting...........

:violin::mmph::ohwell:
Still no email!! Sorry but I am not a very patient person, been waiting nearly 3 years lol.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

There's no point whatsoever to the Assessor Di, although I suppose it may have a knockdown effect on adjudicators and their team managers if there are a lot of complaints to her.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

2,100+ thanks Di..... :hail:

Yes, I hope it goes in your favour. If not then off to the jolly Ombudsman it shall jolly go!

Heads up:

I had a letter from the "team manager" (ie they are not "line" managers anymore) of my adjudicator yesterday and she (predictably) backed the adjudicator full hilt. Remember, this isn't to do with the complaint per se, but is a complaint about how the FOS have handled the complaint. Right, what she says is that if we remain disatisfied with a team manager's response then can go to (1) a "senior manager" and also (2) the Head of the Customer Contact Division. Thereafter its the independent assessor, Linda Costelloe Baker (who should be contacted no more than 3 months after the senior complaints manager).

The bod to contact at the FOS is:

Paul Kendall
Head of the Customer Contact Division

LOL.........thanks TDS .

Why do I get that feeling that I will not receive that email from them today?
Hmmmmm maybe it'd to do with losing trust with the FOS perhaps.....:tinysmile_cry_t:

Blimey, the system's certainly made big changes by the seems of it.
Well I hope you're case will be resolved without the need of having to go to the assessor, I can't see any point in them to be honest, do you?

Re: Hamilton/HFC/Endeavour - Reclaim PPI

2,100+ thanks Di..... :hail:

Yes, I hope it goes in your favour. If not then off to the jolly Ombudsman it shall jolly go!

Heads up:

I had a letter from the "team manager" (ie they are not "line" managers anymore) of my adjudicator yesterday and she (predictably) backed the adjudicator full hilt. Remember, this isn't to do with the complaint per se, but is a complaint about how the FOS have handled the complaint. Right, what she says is that if we remain disatisfied with a team manager's response then can go to (1) a "senior manager" and also (2) the Head of the Customer Contact Division. Thereafter its the independent assessor, Linda Costelloe Baker (who should be contacted no more than 3 months after the senior complaints manager).

The bod to contact at the FOS is:

Paul Kendall
Head of the Customer Contact Division

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hoping today will be the day he will email with the decision.

Fingers crossed.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Received the email response and he is to send the letter by email as well as hard copy post which he intends on doing this tomorrow afternoon.

Dear Mr & Mrs

Thank you for your email.

I can confirm that as before the view will be sent to you by post and by email. As expressed I intend to do that tomorrow afternoon.

Yours sincerely

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

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

He never read it in the first place in all probability. That was the problem I had with my lazy Adjudicator! Well, you know my story already Di but I honestly cannot see ombudsmen going against their adjudicators. Am very interested to know how this pans out and whether it'll be worthwhile appealing in the future on other complaints.

But, as for your Hamilton compalint, you might not need to complain to an ombudsman. Fingers crossed!

I do hope in you're case TDS they ombudsman will overturn in favour.

Actually I know it's rare, but I came across a post over on one of the other sites yesterday and the Ombudsman did actually overturn one in their favour.

Hope you get the same one lol