Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

PPI policy details - the adjudicator also has a copy of this, where details of Hamilton are enclosed, and have been with him since the start of the complaint, but why he cannot establish the relationship beats me. Details of Hamilton are on the last page on how to complaint and so.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

EPF T&C's The Adjudicator did point out something on this one, he stated........

on number 11 of the T&C's Credit Brokers.

It is accepted that where you used a credit broker, you did so on your own free choice. You acknowledge that you have not paid fees to the credit broker, sub broker or any other person in respect of your introduction. Any credit broker involved with the transaction shall be regarded as your agent and we are not responsible for his actions or advice.

A welcome letter from EPF dated 30 July as well.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

EPF T&C's The Adjudicator did point out something on this one, he stated........

on number 11 of the T&C's Credit Brokers.

It is accepted that where you used a credit broker, you did so on your own free choice. You acknowledge that you have not paid fees to the credit broker, sub broker or any other person in respect of your introduction. Any credit broker involved with the transaction shall be regarded as your agent and we are not responsible for his actions or advice.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Loan application - Click Finance pages 1 and 2. As you will see over half way down the page, nothing selected for PPI.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Valuation report.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

HFC Bank Ltd - Customer Services Speak with Form.
Hubbys & Mine.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Morning Di,

Now we're getting somewhere. I can't trace 1 Click Homeloans Limited anywhere, and I'd expect them to be on the Companies House register, even if they've been dissolved.

However, Click instructed this valuation report, and they weren't acting in a broker capacity - they were acting on behalf of EPF as it's agents as I think Click had a Packaging Agreement with EPF to conduct all the paperwork on behalf of the lender.

I'm going to do a bit of digging on this this afternoon and I'll get back to you a bit later. I think there's a clear link between Hamilton and Click and an Agent/Principal relationship can be proved in this case, which will put Halilton well and truly in the frame.

Speak later,

TBD.

Hi TBD

Cheers and many thanks.
I will try to re-scan the document and attach it again.

Unfortunately Click did dissolve in 2006, which was why the adjudicator states that he was unable to connect their involvement with Hamilton.

Will catch you later on then, appreciated.

Di

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Morning Di,

Now we're getting somewhere. I can't trace 1 Click Homeloans Limited anywhere, and I'd expect them to be on the Companies House register, even if they've been dissolved.

However, Click instructed this valuation report, and they weren't acting in a broker capacity - they were acting on behalf of EPF as it's agents as I think Click had a Packaging Agreement with EPF to conduct all the paperwork on behalf of the lender.

I'm going to do a bit of digging on this this afternoon and I'll get back to you a bit later. I think there's a clear link between Hamilton and Click and an Agent/Principal relationship can be proved in this case, which will put Halilton well and truly in the frame.

Speak later,

TBD.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Mortgage valuation report.........how can i get this bigger? done something wrong here haven't i?

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Just setting up the scanner again, lol its been playing up again, but will get there.

Meanwhile the address of the valuers are:
Countrywide Surveyors
Unit 4 Ty-Nant Court
Morganstown
Cardiff
CF15 8LW

Tel 02920 810 088

Signed - N A Roberts
(MRICS)

Dated 21 July 2004

Its a FISA Mortgage Valuation Report

Instructed by 1 Click Home Loans Ltd

(So their involvement still came into this even after the application form then).

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Di,

I read your posts all over consumer websites, and you always help the newbies (and the posters who aren't financially knowledgeable) along - so this one is going to be an absolute pleasure!

The smoking gun is the valuation report in the middle of this. If I remember rightly, EPF valuation reports are 2 or 3 pages long. If you've got the details on it of the valuer and the instructing agent - they've given you the lenders copy as part of the sar. Can you post me up the last page of the val report? it should have the valuer's details on the bottom left and the company who instructed it on the right hand side - this is the info I'm after.

I'll get back to you first thing in the morning on it.

Before I go - I know you're aware of a lot of things in the ppi world - but do you know what a mortgage packager is?

Kind regards,

TBD.

Good morning

Cheers TBD

I will have a rummage through it is here because the details of the valuer address are on them.

What I did do, over a week ago (whether or not I done the right thing or not), I emailed the valuation company in Cardiff and asked them to track down our details, even though we have details I just wondered if they still held details themselves still, but unfortunately they could not track them down, yet I don't feel I gave them enough personal details.

Mortgage packager? is that the new thing that came into affect over the last few years? not too sure lol.

I will go through it today and post up sometime today, again thank you for your input in this matter, you've been amazing, and catch you later on.

Cheers

Di

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi TBD

How you see the first lender agreement is how it was when we received it, our name details faded out, the amounts etc, although I am going through all the SAR again to see if there is another copy, but that was my point also raised with the adjudicator over the last few weeks or so in regards of the dates as it doesn't seem to work out.

The paperwork was that of Click in regards of the valuation.

In regards of the loan docs, its just basically a few copies of the Click Application, the Click Valuation Report.
Basically its the report from the valuer from Cardiff with details of Click *address*

The loan agreements via Endeavour.

On the 2nd loan agreement i posted (our copy), I deleted our name details myself on that one but everything else left.

And some on HFC.

In regards of the insurance policy details, we requested for these separately, we had to write to Endeavour for them.
And of course Hamilton Insurance are/were the insurers for this loan.

Di,

I read your posts all over consumer websites, and you always help the newbies (and the posters who aren't financially knowledgeable) along - so this one is going to be an absolute pleasure!

The smoking gun is the valuation report in the middle of this. If I remember rightly, EPF valuation reports are 2 or 3 pages long. If you've got the details on it of the valuer and the instructing agent - they've given you the lenders copy as part of the sar. Can you post me up the last page of the val report? it should have the valuer's details on the bottom left and the company who instructed it on the right hand side - this is the info I'm after.

I'll get back to you first thing in the morning on it.

Before I go - I know you're aware of a lot of things in the ppi world - but do you know what a mortgage packager is?

Kind regards,

TBD.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Oh and by the way, welcome to LB.

There is also a welcome thread to welcome you here......
http://www.legalbeagles.info/forums/...ad.php?t=29456

I will see what other info I come across tomorrow in relation of this matter, your a diamond, thank you.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi Di,

Can you see the figures on the first copy of the loan agreement dated 05/07/2004? and are they EXACTLY the same as on the second copy. The dates definately don't stack up here because according to what they're showing there's 25 days between the first consideration copy coming out and the sig copy coming out - the question I'd be asking myself is why? If there's a 25 day delay, it means they MAY have changed the loan terms - possibly by sticking the PPI on? I don't think any lender worth their salt would make a mistake of waiting that long before issuing the signature copy - they're usually well versed in their requirements under the CCA. Can you remember how many loan docs you received in total? Was it 2 (which I'd expect) or was it 4?

It's also interesting that the Val report has turned up as well. This could be significant.

Who did the valuation report (which valuer) and does it state who instructed the valuation - was it Click or EPF?

TBD.

Hi TBD

How you see the first lender agreement is how it was when we received it, our name details faded out, the amounts etc, although I am going through all the SAR again to see if there is another copy, but that was my point also raised with the adjudicator over the last few weeks or so in regards of the dates as it doesn't seem to work out.

The paperwork was that of Click in regards of the valuation.

In regards of the loan docs, its just basically a few copies of the Click Application, the Click Valuation Report.
Basically its the report from the valuer from Cardiff with details of Click *address*

The loan agreements via Endeavour.

On the 2nd loan agreement i posted (our copy), I deleted our name details myself on that one but everything else left.

And some on HFC.

In regards of the insurance policy details, we requested for these separately, we had to write to Endeavour for them.
And of course Hamilton Insurance are/were the insurers for this loan.

[The_Big_Dog]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

The legal charge paperwork is also dated 30 July 2004, headed with Endeavour, so it seems the main of the paperwork is that of these, the only paperwork we do have via Click is that of the application form and a copy of the house valuation report.

Hi Di,

Can you see the figures on the first copy of the loan agreement dated 05/07/2004? and are they EXACTLY the same as on the second copy. The dates definately don't stack up here because according to what they're showing there's 25 days between the first consideration copy coming out and the sig copy coming out - the question I'd be asking myself is why? If there's a 25 day delay, it means they MAY have changed the loan terms - possibly by sticking the PPI on? I don't think any lender worth their salt would make a mistake of waiting that long before issuing the signature copy - they're usually well versed in their requirements under the CCA. Can you remember how many loan docs you received in total? Was it 2 (which I'd expect) or was it 4?

It's also interesting that the Val report has turned up as well. This could be significant.

Who did the valuation report (which valuer) and does it state who instructed the valuation - was it Click or EPF?

TBD.