Hamilton/HFC/Endeavour - Reclaim PPI

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Just received email now and its not good news.

The Adjudicator have stated that he is unable to determine the relationship of the insurer to the broker, and of course we cannot make the lender responsible (we knew that).

We have until the 16th of this month to provide any further information if we want this reviewed by the ombudsman.

I did have a feeling about this, and it doesn't help with the broker dissolved, although I am not leaving it there. Just shame its taken approx 2 years to come to this decision.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you Cappo.

With the fact that he says "opinion" this have given me doubts, but no decision as such I don't think. But even so - if it fails I will forward on to the ombudsman himself, and probably wait another 2 years lol, never mind, see what it says when it arrives first, but will keep an open mind.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

The adjudicator have also agreed to send by email, just waiting now for his senior colleague to check the drafted letter, then he will email it to us.

Dear Mrs

I have no problems with sending the letter to you and your husband by email. The letter containing my opinion has been drafted and is currently being checked by a senior colleague before I send it out to you and Mr *****.

I will send it to you by email as soon as it has been checked and cleared to send.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14

our fingers are crossed

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

The adjudicator have also agreed to send by email, just waiting now for his senior colleague to check the drafted letter, then he will email it to us.

Dear Mrs

I have no problems with sending the letter to you and your husband by email. The letter containing my opinion has been drafted and is currently being checked by a senior colleague before I send it out to you and Mr *****.

I will send it to you by email as soon as it has been checked and cleared to send.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you Cappo, fingers crossed hey!

The problems he was having over the last few months was trying to get more details on the relationship of the insurer to the broker, and he previously did say with the broker dissolved its a difficult one.
Still worth a try, and see what happens when we receive the letter next week.
Thank you.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Not holding much hope on this one, with it being a complex case.

it'll be fine di,i got the blow off on mine fairly quickly i'm not experienced in these Matters but reading your previous posts on this case i'd say you've got a 75% chance,so you know what they say no news is good news,be positive and hope for the best.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Not holding much hope on this one, with it being a complex case.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

They are delayed on this one, as its lots involved, but just received an email from the Adjudicator now.

Dear Mr & Mrs

Just to update you. I'm still in the process of reviewing your file, there is quite a lot of material contained within it. However I will be finished by the end of today and I will send the view to you in the middle of next week following the bank holiday weekend.

If you have any queries please do not hesitate to contact me.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020 796 40668 |
E:

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Hi hun and cheers.

That's ok Cappo, what I meant was the adjudicator stated on his email he is about to review our case and give an opinion in the next few days.

I've had no rejections on this one yet, but its been with them since 2009, and they were the ones who wanted to keep this going under the insurer.

Will let you know if I hear anything. x

I'm sure it,ll be fine di,i think we've all got everything crossed for you:beagle:

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Sorry di,now noticed your post,well you asked for an opinion i'm not sure what to make of it, From personal experience when i had my case rejected i received a letter,i know it,s generally a phone call if upheld but i suppose if it,s an especially complex case with a lot of technical explaination they might send a letter, I would,nt worry to much,theres the Ombudsman to go to afterwards if neccesary.

Hi hun and cheers.

That's ok Cappo, what I meant was the adjudicator stated on his email he is about to review our case and give an opinion in the next few days.

I've had no rejections on this one yet, but its been with them since 2009, and they were the ones who wanted to keep this going under the insurer.

Will let you know if I hear anything. x

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Even though I have been told (as stated on the above post) we should recieve an upate by 31 May 2011, I emailed last Friday anyway just to make sure, but not sure if I like the sound of it............"If you have any queries on receipt of this update, please do not hesitate to contact me"
Its making me think its bad news, why cannot he just tell me by email, others have with other cases? (perhaps its because its not good news" What are your thoughts on this folks?

Dear Mr & Mrs *****

Thank you for your email.

The next update is due to be sent out to you late this week or early next week.

If you have any queries on receipt of this update, please do not hesitate to contact me.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020 796 40668 | F: 020 796 40669 |
E: m

Sorry di,now noticed your post,well you asked for an opinion i'm not sure what to make of it, From personal experience when i had my case rejected i received a letter,i know it,s generally a phone call if upheld but i suppose if it,s an especially complex case with a lot of technical explaination they might send a letter, I would,nt worry to much,theres the Ombudsman to go to afterwards if neccesary.

[cappo]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

No letter received as yet, but my post is not at its best in this part of the area.

We did receive a survey from the FOS but no updates from the Adjudicator as previously stated, he did say late to early this week, so I chased this up.

Email then received this afternoon here below, looks like an opinion will be made over the next few days.

Dear Mr & Mrs

Thank you for your emails over the past few days.

In terms of your update letter, it maybe the case that there has been a delay I am not aware of since I last emailed you.

However I am currently reviewing your file with a view to drafting an opinion on it in the next couple of days. Once approved the opinion will hopefully be sent to you by the end of the week.

Yours sincerely

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

We're all keeping our Fingers crossed for you di,here's hoping for a positive decision

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

No letter received as yet, but my post is not at its best in this part of the area.

We did receive a survey from the FOS but no updates from the Adjudicator as previously stated, he did say late to early this week, so I chased this up.

Email then received this afternoon here below, looks like an opinion will be made over the next few days.

Dear Mr & Mrs

Thank you for your emails over the past few days.

In terms of your update letter, it maybe the case that there has been a delay I am not aware of since I last emailed you.

However I am currently reviewing your file with a view to drafting an opinion on it in the next couple of days. Once approved the opinion will hopefully be sent to you by the end of the week.

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

Well nothing in the post late week, so maybe early next week as informed one or the other.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Even though I have been told (as stated on the above post) we should recieve an upate by 31 May 2011, I emailed last Friday anyway just to make sure, but not sure if I like the sound of it............"If you have any queries on receipt of this update, please do not hesitate to contact me"
Its making me think its bad news, why cannot he just tell me by email, others have with other cases? (perhaps its because its not good news" What are your thoughts on this folks?

Dear Mr & Mrs *****

Thank you for your email.

The next update is due to be sent out to you late this week or early next week.

If you have any queries on receipt of this update, please do not hesitate to contact me.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020 796 40668 | F: 020 796 40669 |
E: m