Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

An Ombudsman WILL be looking into the merits of the case yeah, and will do so from scratch, completely from scratch. That is, if you have to go to one. Which hopefully you won't.......

The Independent Assessor at the FOS doesn't look into the merits, but she is a regulator for the FOS. I guess that means even if she thinks they have been terrible that there is no recompense regardless! So whats the point!

I don't hold much hope with this Adjudicator to be honest, despite sending all the details he previously required to investigate the case, and he seems the type to put the other party in favour than us no matter what, it's as if he is trying to find faults, and treat it more like a court case lol, experience with other Adjudicator's were never this bad.

My feeling is that we are not going to agree with his view and it will be off to the ombudsman, but still this time we have all the details now.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

An Ombudsman WILL be looking into the merits of the case yeah, and will do so from scratch, completely from scratch. That is, if you have to go to one. Which hopefully you won't have to.......

The Independent Assessor at the FOS doesn't look into the merits, but she is a regulator for the FOS. I guess that means even if she thinks they have been terrible that there is no recompense regardless! So whats the point!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

At least there's movement Di. If it goes against you, then you go to an ombudsman, nuffin' to lose. On my complaint re Marbles I have requested an ombudsman review and a letter came quite quickly from my adjudicator saying it gets reviewed first BEFORE going to an ombudsman in about a months' time. So it looks like a slow old routine! First complaint I've referred to an ombudsman. Hopefully you won't have to but its looking likely........

Cheers TDS, and good luck with yours too.

I am baffled on what he said on one of the earlier emails though, said he will not be looking into the merits of the case, so what did he actually mean by that as such?

Re: Hamilton/HFC/Endeavour - Reclaim PPI

At least there's movement Di. If it goes against you, then you go to an ombudsman, nuffin' to lose. On my complaint re Marbles I have requested an ombudsman review and a letter came quite quickly from my adjudicator saying it gets reviewed first BEFORE going to an ombudsman in about a months' time. So it looks like a slow old routine! First complaint I've referred to an ombudsman. Hopefully you won't have to but its looking likely........

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I emailed my Adjudicator to ask for an update, basically just to ask what happens from here now, (as it's been some time since I had a case with the FOS on another case).
And it seems he will be viewing our details, he also said about the details he received from HFC, in other words Endeavour and will be sending out his opinion this Thursday, and if we're not happy with the decision, we then get the chance to have it reviewed by the ombudsman.
(I thought the Adjudicator said previously he would not be looking into the merits of the case), email on this thread somewhere.

Anyway email as received below and I do have a bad hunch on this one despite on us having the details now of the insurer/underwriter ...........links etc in order for him to connect the relationship of all parties.

Dear Mr & Mrs

I will be conducting a review of the documents you have sent to me and the information provided to me by HFC. I aim to send an opinion out to you on Thursday afternoon. If you agree with my view then the case will close. However if you disagree you case will be referred to an ombudsman for a final decision to be issued.

Yours sincerely

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

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I forgot to mention as well, the Adjudicator tried ringing my hubby's mobile at work yesterday , strange why he didn't try ringing the house phone, but hubby was not able to answer his moby anyway but checked the number when he came home in the evening as he was working afternoons.

However, the phone call was probably about the time I emailed back to him in regards of his 2 questions.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

wouldn't put money on them being any better..........

Yeah so true lol.

I do remember on another one of my cases some time back, the adjudicator I had then was fab, she would get back within minutes, and sometimes just email on her own accord just to keep us updated.
Shame they are not all like her lol.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

wouldn't put money on them being any better..........

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Fingers crossed Di! As you know I am in the same boat ref escalation to an ombudsman. Will be interesting to see if they are genuinely impartial.............

Same to you too TDS.
Yes it would be interesting, you never know we could end up with the same one lol.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Fingers crossed Di! As you know I am in the same boat ref escalation to an ombudsman. Will be interesting to see if they are genuinely impartial.............

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

If its waiting for an ombudsman then no, I should imagine you can't get it TFR to another adjudicator or his line manager. But an ombudsman will be even better.

Cheers for that, well at least it's going that direction now, let's hope he or she can see through this one.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi TDS

I didn't realise I could do that? :tinysmile_aha_t:
So this will be allowed then even though it's waiting to be moved on to the ombudsman for review?
Hmmm, drat wish I knew earlier, but I do feel we have one that cannot be bothered or doesn't understand where we're supposed to be going with this.

If its waiting for an ombudsman then no, I should imagine you can't get it TFR to another adjudicator or his line manager. But an ombudsman will be even better.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Ask for it to be sent to his line manager then. If you have that bad vibe, which most certainly had with my adjudicator, then ask for it be TFR to someone else.

Hi TDS

I didn't realise I could do that? :tinysmile_aha_t:
So this will be allowed then even though it's waiting to be moved on to the ombudsman for review?
Hmmm, drat wish I knew earlier, but I do feel we have one that cannot be bothered or doesn't understand where we're supposed to be going with this.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Ask for it to be sent to his line manager then. If you have that bad vibe, which most certainly had with my adjudicator, then ask for it be TFR to someone else.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I am not too happy about my Adjudicator, maybe I am being a bit over sensitive I don't know.
But he is acting as if it's a court case, and testing us!!!

If I didn't think this was an issue I would not be spending the last 3-4 years trying to deal with this matter.

Wish I could have changed the adjudicator, I have had better ones dealing with other cases, but this one seems to be all for the banks/companies, and not down the middle.

Even when he said that HFC had made contact with him, well that was a phone call nothing in black and white that we had to provide!

Makes me so mad!!