Hamilton/HFC/Endeavour - Reclaim PPI

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!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You've got what I got - a Lazy Adjudicator.

You can say that again lol.

I bet he still doesn't get it, or understand it.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You've got what I got - a Lazy Adjudicator.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I am hoping the Adjudicator will email me with the result tomorrow, I did request he do this, because of our postal issues where we live, but he have not yet confirmed this.

I will post up as soon as I receive the opinion, and not expecting a good outcome from this Adjudicator, despite the evidence they have now, so I may be asking for further help and advice on this one as from tomorrow folks, cheers.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

whether it is or isn't, I 've given it a good go and done me best

do you know if the bank still has to stump up the £500 FOS fee even if the adjudication goes in its favour?

Well here's hoping anyway TDS .

I think it still stands TDS, although it maybe the case of - if the complaint went as far as the Ombudsman (in our favour), so in our case then yes with it going as far as the ombudsman (I'm already assuming I'll be going there) lol.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

hope you're own case will be resolved too, all crossed here x

whether it is or isn't, I 've given it a good go and done me best

do you know if the bank still has to stump up the £500 FOS fee even if the adjudication goes in its favour?

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You come a long way since I used to sort out your bottom drawers in 2007--lol

LOL so true Turbo and thank you XX :tinysmile_kiss_t4:
Blimey 4 years ago!!

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You come a long way since I used to sort out your bottom drawers in 2007--lol

Thank you Turbo x

Even if it ends with the ombudsman then there be it, I waited this long, so sure I can stick it out even longer, lol cheers honey xx

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You're a fighter Di---and an inspiration

Turbs x

Thank you Turbo x

Even if it ends with the ombudsman then there be it, I waited this long, so sure I can stick it out even longer, lol cheers honey xx

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

You're a fighter Di---and an inspiration

Turbs x

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di, you're nearly at 2,000 thank you's, landmark

keep at 'em.

Oh yes I can see now lol wow.
Thank you for your support as well, and so hope you're own case will be resolved too, all crossed here x

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di, you're nearly at 2,000 thank you's, landmark

keep at 'em.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I know I am keeping on and even getting on my own nerves now :tinysmile_cry_t: lol, but I can see this going to the ombudsman.
Mainly because I don't think the Adjudicator is competant to deal with this matter.

We have tried all ways in a matter of a few years in trying to resolve this and now we have come to the conclusion of Hamilton and finding the relationship links, his attitude is that of that we are contradicting.
At the end of the day, the sale was in 2004, and yes we did think HFC was involved, with having little paperwork to go on then suddenly we come up with a telephone customer speak form there was a question mark over this which did think going by their track record of mis selling of PPI - they may have been involved.

But...........
the whole point is here was finding out who the underwriters were, yes we knew it was Hamilton, but it was the Adjudicator that stated as said in his letter that he could not conclude because he could not link up the relationship of all parties involved. So it was from there we looked into HFC.

Now we have found the paperwork in regards of Click which now makes it a lot damn easier for him to connect the parties together, it should now be straight forward, the answer is there in black and white!

My feeling is that he is going to mince this up again and like the last letter, there will be yet another reason on why he cannot conclude.
It's possible the information he receives from Endeavour, which he calls HFC did not provide him with the evidence that Click were not the packager but a standard broker as such.

Something is going to happen here, and it maybe me, because I am losing trust with the FOS slowly, but surely.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

here's hoping kid

there is defo a sea change in the FOS these past few months since the PPI case was won, as if they are trying to get the message out that they are no push over for the consumer

I totally agree TDS, it does seem to be the case here and as you also said, even more so since the JR matter.

Well I shall post up his opinion when received, I emailed him to ask him to email us with the opinion, as I cannot rely on post in my area, he have done so before.
He said Thursday so with a bit of luck I shall be posting his verdict of this on the same day.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

here's hoping kid

there is defo a sea change in the FOS these past few months since the PPI case was won, as if they are trying to get the message out that they are no push over for the consumer