Hamilton/HFC/Endeavour - Reclaim PPI

Re: Hamilton/HFC/Endeavour - Reclaim PPI

bloomin eck Di, was there a company in Britain not involved in your ppi?

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

In regards of the letter from Endeavour where they state, our Insurance was with Hamilton now Direct Group, I have sent Direct Group a further email, the last one I sent them I asked them on their connections with Click Finance where they could not connect, but it would then be Endeavour's doing then is what I think.
Am waiting for a response from them now, and I also sent them a copy of the letter from Endeavour which they can see for themselves.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

The fos is looking more and more of a waste of time these days,they don't seem to ever want to investigate a complaint properly at all these days,you might as well have investigated yourself might'nt you Di,what a waste of time for you

That's right Cappo.

I just hope the ombudsman or the one he passes this over to will see this in a new light, and finally get connections to Hamilton, we are leading a step closer now I think and I am sending them copies of the paperwork I have which I did not send before as I've only recently came across them, but they already know it was Click that sold it, as he has a copy of the application form, so why he said he wants to check if click sold it on today's email beats me.


Still determined though lol.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Attitude!!!!

As he confirmed he will not be looking into the merits of our case, I asked him he could let us know if this will be the case of going back to Hamilton, but he will not say, yet if a bank or business had asked him a similar question they would get a firm answer, thought they supposed to be impartial, and I bet he never received written information from the other side either, all verbal where I had to provide the info which is the right thing to do.

And going back to my post in the above post, he said about not checking the merits but checking if Click did sold the loan, he flipping knows that already, because he has copies of the application form!! Honestly!

Anyway, email below in regard of my first paragraph above.

Dear

I cannot comment on what I will be doing with the information until I have received it and reviewed it. Therefore as expressed in my previous email. Please send all the info you have by 19 July 2011.

Yours sincerely
Ma
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR E: mat

The fos is looking more and more of a waste of time these days,they don't seem to ever want to investigate a complaint properly at all these days,you might as well have investigated yourself might'nt you Di,what a waste of time for you

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Attitude!!!!

As he confirmed he will not be looking into the merits of our case, I asked him he could let us know if this will be the case of going back to Hamilton, but he will not say, yet if a bank or business had asked him a similar question they would get a firm answer, thought they supposed to be impartial, and I bet he never received written information from the other side either, all verbal where I had to provide the info which is the right thing to do.

And going back to my post in the above post, he said about not checking the merits but checking if Click did sold the loan, he flipping knows that already, because he has copies of the application form!! Honestly!

Anyway, email below in regard of my first paragraph above.

Dear

I cannot comment on what I will be doing with the information until I have received it and reviewed it. Therefore as expressed in my previous email. Please send all the info you have by 19 July 2011.

Yours sincerely
Ma
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR E: mat

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Chased the Adjudicator up, as we felt we need to get on with this matter for as soon as possible, postie been and gone and nothing in the post from him today, so asked him if a letter had been sent yet and said we do have more info to send if necessary.
So basically he more or less said he agrees with HFC and with not being under jurisdiction anyway, but said to forward more info in light of what we told him, so any help with this will be fab, thank you.
Do you think I should go for the timescale he have given until 19th July or just get on and send all the info soon.
Think I need to explain the issues of this case as well.

Dear

It is pointless for me to write a opinion on this case for you to then again give me more documentation that I have to review and possibly do another opinion. It is important to say at this stage that following discussions with the HFC, I am still satisfied as before that they are not responsible for the sale of your policy and that it was sold by Click Finance. My view was going to detail exactly what was said to me by HFC and inform you that I am of the opinion your case is not within the jurisdiction of this service.

However as expressed above it is not reasonable to send this letter to you without receiving all your information. Therefore can you send me any new evidence you have including the below. As I need all the information to fairly adjudicate this case. If you want some more time to conduct your own investigation that is fine, please let me know, as I do not want to review the below and be in the position to write an opinion and then you come back with more evidence.

If you are sending the below evidence to me shortly then please indicate if this is all you wish for me to look out or if you want more time to conduct further investigations and I will allow till 19 July 2011 for you to send everything to me.

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





I agreed to more time offered as well, and he just emailed back again to say he will not be looking at the merits of the case, so then it will obviously be moved on to the ombudsman.

Dear

I can confirm that you can have till 19 July to complete your investigations. To confirm I will not be looking into the merits of the case, just whether Click Finance sold the policy to you or not.

Please inform me also by 19 July if you need further time, as once I have received your info I will be doing a view as quickly as possible following the 19 July this this case can be progressed effectively.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E1
E:

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Great result finding those letters Di!

I didn't keep anything for long like that back then, so good for you. Just shows how important it is to file stuff, even to scan it if storage is a problem.

Thanks TDS

It was actually paperwork amongst a SAR, but half of it went amiss and on seaching in a little box of paperwork in a cupboard I came across it.
Just hope the FOS will look at this matter now if the current one fails.

It does make sense on why the Adjudicator could not connect the link between the underwriter to the broker, or should i say Mortgage packager agent lol, in this case then it would be the lender Endeavour that will have the documentation to prove this.

Hopefully.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Great result finding those letters Di!

I didn't keep anything for long like that back then, so good for you. Just shows how important it is to file stuff, even to scan it if storage is a problem.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I emailed the Adjudicator last Friday to make sure we still get that chance to have our case reviewed if we were not happy with the outcome of the letter he said was to to send "early this week" lol heard that one many times before though. I do also think if he had anything positive to tell us then he would have, but he keeps everything to the min.

Also with him also saying that he had contact from HFC last week, (this we assume its a phone call), we provided everything in black and white so they should not take anything in evidence from them verbally surely?
Afterall their job is to take a look at both sides, not to see if the business come back with something better verbally especially - then reject!

I can see a letter coming on TBD thank you, as we know and as you also said as well, they are not going to accept HFC being responsible.

Dear Mr & Mrs

A letter will be sent to you early this week. The letter will detail you referral rights if you are not happy with the contents.

Yours sincerely

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

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di Endeavour must have been regulated at 14th Jan 2005 if they ever sold PPI.

I know I had a loan secured to my property with Endeavour but a different spelling in those days. This was going back to 1990 something. How are you spelling yours???

Cheers Marshallka

Were they? I thought it was in 2007, sure I have a letter somewhere, will check.

Think I remember reading your post about loan secured to your property with EPF.

Letter received in 2008

your comments regarding the Financial Ombudsman Service have been noted: however EPF did not fall under the jurisdiction of the FOS prior to 6 April 2007.
As your complaint arises to an issue that occurred prior to this date, we believe they may not be able to adjudicate this matter.

TBD, a letter will be a fantastic help, thank you.

[marshallka]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Wow thank you for posting all this. I appreciate it.

And with what your saying it does make sense.

The issues lie now of who actually added the ppi really, as it certainly wasn't on the Broker Click Application paperwork, only that of the paperwork we have from HFC, but what you have said certainly seems to be the case.
It was definately added further down the process of the loan, where we had no further contact with the broker after the application.

We received an email this morning from the Adjudicator, he says he heard from HFC yesterday, he put it down as "HFC contacted me yesterday and I will be sending a letter to you early next week".

So we will soon see, yet we were given until yesterday ourselves to let him know if we want this reviewed by the ombudsman, we confirmed yes we did a few weeks back, so didn't think the adjudicator would have any further involvement in this case from yesterday the deadline - meanings he could not establish the relationship.

So he will be working alongside the ombudsman then maybe.

I will keep you posted though and thank you for the input.

Endeavour was not regulated unfortunately until April 2007, but we know its got to be between these and possibly HFC who are responsible for this.

I am aware HFC were fined for mis selling PPI, and aware HFC/Endeavour work alongside each other, even though the letters we have received are confirmed signed from HFC, the logo on the letter is thost of Endeavour.

A confusing one, but I wouldn't mind you being my Adjudicator lol, you seem to know what is what, cheers again.

Di Endeavour must have been regulated at 14th Jan 2005 if they ever sold PPI.

I know I had a loan secured to my property with Endeavour but a different spelling in those days. This was going back to 1990 something. How are you spelling yours???

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Letter - response to broker from Endeavour

&

HR dept employer.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Right I take it that we will not have to contact Chelsea now, because I have found the letters, check below for more info.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

So basically myself and thousands of others have been ripped off.

I do hope the FOS will take all this into consideration and not ignore what has been going on here.

TBD, this is interesting and all new to me and possibly others, but do you have any website links of more info on mortgage packagers/agents?
Cheers.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Morning TDS,

I think I know where the problem is with this one - have you got a thread so I can have a read through it, or can you give me a brief summary of whats happened?

TBD.

Here 'tis. http://www.legalbeagles.info/forums/...ad.php?t=26384
Thanks TBD.

(With thanks to Di for link)