hamilton insurance ppi/sar address

[banksrjokes]

Hi all and thanks in advance for any info that will help with my issues. Loans taken out 2002/2003 both paid up in full within 12 months of taking them out
First off I want to reclaim ppi on 2 regulated loans but i have no consumer credit agreements only bank statements showing monies paid on a monyhly basis. I have sent a sar to hfc but they state thry no longer hold any details on either loan and sent back my £10 fee.

Im not to sure if any case can now be brought against them. I was wondering if hamilton insurance which is part of hfc i have been lead to believe would hold details of ppi policies?

Is there a specifc way of going about sar'ing hamilton insurance which im hoping would shed light on any policy and possibly cost, is there a specific address or will it go round in circles snd end up back with hfc stating they have no details. Any help gratefully appreciated

[di30]

Re: hamilton insurance ppi/sar address

Hi and welcome

I think Aviva have taken over Hamilton now, below there is a write up that explains this, so if you write to these or maybe give them a ring first and ask them if they also hold any data.

http://www.aviva.com/media/news/item...reements-3607/

You would usually have to make the complaint againce the business who set up and sold you the loan, so HFC, if they were regulated when you taken out the loans, or otherwise pursue the underwriter/insurer.

If you complain directly to HFC, you will need to complete a complaint form.

Otherwise you can write to the underwriter/insurer but by mean of a letter, as these will not take any responsibility of how the loan with ppi was sold to you, but they do still have some joint liabilities.
I have been successful in complaining to the underwriter of another business, so if you find that your not successful after complaining to HFC, let me know and I shall forward you my letter I used to the underwriter.
The wording when complaining to the underwriter/insurer, will have to be worded, so that your not actually putting the full liability on them, but to state the fact that they still have responsibility as such.

You can however, still make a complaint without the SAR, a SAR is optional but can also be very helpful, as you will not actually require the figures of the calculations when you complain, as they should send you a detailed breakdown once resolved, but it is useful to have your own information on hand as well, just to make sure on them.

The insurer/underwriter, they should hold information, but it will vary on how long they have held them for, some will hold all the details for more than 6 years.

So basically, you can still complaint, as long as you have your reasons and the account number.

Hope this helps. ;-)

Also details of HFC and how to complain to them.

http://www.hfcbank.co.uk/html/payment_insurance.html

[banksrjokes]

Re: hamilton insurance ppi/sar address

Hi Di and thanks for your reply, hfc will not provide any info in the sar as ghey say its been destroyed however i feel the are being untruthfull.I do have another complaint seperate to these 2 that has gone via fos to the underwriter who are hamilton insurenance but fos have said the complaint is to be dealt with by hfc.
As ive allready asked for sar info from hfc i'm wondering if theres a way of sar'ing hamilton and if so is there an address? so i can maybe get figures. Im very confused why fos are taking the complaint to hfc as an underwriter when it was hamilton.
The only thing i can provide is bank statements and settlement figures because other consolidation loans paid off these loans but dont think thats enough info to make a claim.

[di30]

Re: hamilton insurance ppi/sar address

Hi there

Thank you for all your information.

Not everyone can manage to get hold of all the information, but whatever you do have may be of some help.
If the underwriter no longer holds the information, and the FOS decide to uphold the complaint, it maybe a case of an offer instead.

You said about bank statements, in most cases this is a big help, as you can see what has been paid and it maybe worked out on the best average with interest.

No everyone has any paperwork at all but still became successful ;-)

[banksrjokes]

Re: hamilton insurance ppi/sar address

Thanks for your reply, thought id need a bit more than bank statements in all honesty as it was a single premium not monthly sepearate payment on statements.

does anyone have an address to send sar for the insurance (hamilton) side of hfc?? loan is from 2002 I know aviva have taken over in 07 but hfc are apparently liable so i've been led to beleive.

[di30]

Re: hamilton insurance ppi/sar address

It was HFC that ended up upholding my complaint, as they taken over Endeavour Personal Finance, but mine was not FSA regulated, so before it was resolved it did go to the FOS, then HFC agreed to pay out on a goodwill basic, long story but a lot of messing about for 4 years when they realised they missed important information in regards of my complaint, so it was only for that reason they agreed to pay out.
But while it was with the FOS, the FOS said as Aviva taken over all liabilities of Hamilton it was Aviva that I had to write to for information.

[banksrjokes]

Re: hamilton insurance ppi/sar address

Hi Di & thanks again. Fos sent a letter to hfc as the underwriter route but i just received a letter from epf saying they had nothing to do with the sale of ppi & that a paul newey was the person who sold it as a broker of ocean finance giving an address of him but i sometime sent a letter to him but just had that returned to me as undelivered to his p.o box addy.
Confused with the fact that endeavour personal replied and not hfc. According to fos the underwriter is hamilton insurance and apparently complaints are to be directed to hfc.
Will i receive a letter from hfc or can i take it that endeavour's reply is there final response, however the epf letter does not say final response.
I sar'd hfc and found it interesting that although the loan was paid off in 2004 there was enteries in 2009 some five years after completion was this them going back into the account to re jig the account to suit themselves?

[di30]

Re: hamilton insurance ppi/sar address

Hi Di & thanks again. Fos sent a letter to hfc as the underwriter route but i just received a letter from epf saying they had nothing to do with the sale of ppi & that a paul newey was the person who sold it as a broker of ocean finance giving an address of him but i sometime sent a letter to him but just had that returned to me as undelivered to his p.o box addy.
Confused with the fact that endeavour personal replied and not hfc. According to fos the underwriter is hamilton insurance and apparently complaints are to be directed to hfc.
Will i receive a letter from hfc or can i take it that endeavour's reply is there final response, however the epf letter does not say final response.
I sar'd hfc and found it interesting that although the loan was paid off in 2004 there was enteries in 2009 some five years after completion was this them going back into the account to re jig the account to suit themselves?

Hiya

With mine, when the broker who mine was Click loans, once the application was completed without ppi, it was passed to the lender EPF who did apply the ppi to my application/agreement despite the fact we did not agree to take it on with the broker.
EPF deal with HFC but they are still classed as separate, so when I received letters from HFC it was EPF logo but with HFC details etc.
So yes it can be very confusing.

Now another thing I forgot to mention to you was that I never knew where I was with them, so as HSBC chief executive officer (CEO) covers all the above companies, it was because I wrote to them they dealt with it, so you could email directly to them, you should get a reply from them.

I will dig out the email contact for you, and should be back shortly. (so sorry for my delay in responding, been an hectic week with many appointments this week lol) ;-)

[di30]

Re: hamilton insurance ppi/sar address

Hiya

I used this email and they were pretty good on getting back to me, hope it will be the same for you ;-) Please keep us informed, good luck.

chiefexecutivehsbcbank@hsbc.com

[banksrjokes]

Re: hamilton insurance ppi/sar address

Hi thanks for the info id rather send a letter though to their chief executive, dont know if i should give them the 8 weeks just incase i do get a reply from hfc. Cat in hells chance i think though as ive had a kind of reply from epf.
Although not a final response.

I found it somewhat interesting when browsing through sar info that there account gad enteries in 2009 five years aftrr the account was paid in full. And i have no idea what was done info does not mention anything. No doubt they entered the account to change things to suit. These banks make me sick. Dont know wether i should question what was done on the account in 2009 and see what they come back with.

[di30]

Re: hamilton insurance ppi/sar address

Hi thanks for the info id rather send a letter though to their chief executive, dont know if i should give them the 8 weeks just incase i do get a reply from hfc. Cat in hells chance i think though as ive had a kind of reply from epf.
Although not a final response.

I found it somewhat interesting when browsing through sar info that there account gad enteries in 2009 five years aftrr the account was paid in full. And i have no idea what was done info does not mention anything. No doubt they entered the account to change things to suit. These banks make me sick. Dont know wether i should question what was done on the account in 2009 and see what they come back with.

Hiya
Yes you could give them the 8 weeks first and take it from there, if nothing then do contact/email the CEO.
You have the right to raise any concerns to them, so see what they come back with first and if they fail to succeed you in your complaint, then do raise the matter up of questioning what was done on that actual 2009 account.

Good luck.

[banksrjokes]

Re: hamilton insurance ppi/sar address

Thanks il wait another 6 weeks to see what they come back with. Il post update when and if i get a response. Thanks again

[di30]

Re: hamilton insurance ppi/sar address

Your welcome ;-)

I will keep a check on your thread too, cheers x