Hamilton

[di30]

This is a complicated one, its still with the FOS and have been on and off for the last few years, its because these are the insurers/underwriters of the loan broker.
The loan broker Click Finance dissolved, then I tried with the lender Endeavour, they were not having it, so the FOS suggested the insurer.

A long battle, but hope its going to be worth it, the FOS/Adjudicator supposed to be emailing me with some detailed updates, nothing up to now, so looks like I will have to continue to be patient lol.

[di30]

Re: Hamilton

Well I am still waiting for an email update on more of a detailed report, here is the copy of the email the adjudicator sent us yesterday, as we asked the best way for us to contact him for the detailed update, he got back and said email.
so we got back immediately and asked if he could send the details, but nothing up to now, arh well I must be just the impatient type lol.

Dear Mr & Mrs

Thank you for your email.

If you do wish to have a more detailed update, then it would be easier for me to email you, so if you want me to provide a more detailed update, just let me know.

Yours sincerely

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

[Gerry]

Re: Hamilton

Well I am still waiting for an email update on more of a detailed report, here is the copy of the email the adjudicator sent us yesterday, as we asked the best way for us to contact him for the detailed update, he got back and said email.
so we got back immediately and asked if he could send the details, but nothing up to now, arh well I must be just the impatient type lol.

Dear Mr & Mrs

Thank you for your email.

If you do wish to have a more detailed update, then it would be easier for me to email you, so if you want me to provide a more detailed update, just let me know.

Yours sincerely

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

Good luck scallywag, I'll keep my fingers crossed for you..

Gerry x x

[di30]

Re: Hamilton

Thank you honey.

LOL, funny enough an email just came through, so the details are here:

Dear Mr & Mrs

Thank you for your email.

As you are aware we are unable to set up your complaint against Click Finance as at the time your payment protection insurance policy was sold, they were not regulated by our service. Therefore your case is part of a number of cases where we are looking at if it is fair and reasonable for the compliant to be set up against the underwriter of the policy, which in you case is Hamilton Insurance Company Limited.

Your claim is similar in circumstance to lots of files where the policy is underwritten by Hamilton Insurance Company Limited. We are reviewing all the paperwork we have on these files to ascertain if there is an agency relationship that exists between Click Finance and Hamilton Insurance Company Limited. As yet we have been unable to establish this relationship, but our investigations are ongoing

However if this situation changes you will be notified.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020 | F: 020 7 |
E: m

[Gerry]

Re: Hamilton

Thank you honey.

LOL, funny enough an email just came through, so the details are here:

Dear Mr & Mrs

Thank you for your email.

As you are aware we are unable to set up your complaint against Click Finance as at the time your payment protection insurance policy was sold, they were not regulated by our service. Therefore your case is part of a number of cases where we are looking at if it is fair and reasonable for the compliant to be set up against the underwriter of the policy, which in you case is Hamilton Insurance Company Limited.

Your claim is similar in circumstance to lots of files where the policy is underwritten by Hamilton Insurance Company Limited. We are reviewing all the paperwork we have on these files to ascertain if there is an agency relationship that exists between Click Finance and Hamilton Insurance Company Limited. As yet we have been unable to establish this relationship, but our investigations are ongoing

However if this situation changes you will be notified.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR T: 020 | F: 020 7 |
E: m

Oh

Oh thats a pain, at least its not a no scallywag its just placed on the back burner for a wee while longer.

Keep your chin up honey...


gerry x x

[di30]

Re: Hamilton

Cheers hun

And thats right.

This case have been with them since Oct 2009, so its not going to make any difference now waiting longer arh well, never mind, like you said at least its not a no. XXX

[di30]

Re: Hamilton

I am going to try and push on this.

I emailed Hamilton who are with Aviva, and trying to get some info from them.

On my policy agreement via PPI, Hamilton are the insurers and we did actually speak to these before the loan was accepted, because they go through the details with you, so basically they have to check to see if your eligible or not for the loan and also the insurance.

Now the problem i have is that the stupid broker called Click Finance were the brokers who sold us the loan in 2004 but they dissolved in 2006, despite them running a number of other Click loan companies they will not have part of this.
Its the same manager and director as well!

The lender being Endeavour personal finance, they are unable to help, and not only that they were not covered by GISC/FSA either at the time we taken out the loan.

This case have been with the FOS since 2009 and its taking time because they want to find the connection between both Hamilton and Click Finance.

Looks like its going to be a long wait............

So I have emailed the dept and also sent the CEO a letter, because when I emailed them last week they are not giving much away, only that Endeavour was the lender, I had already informed them of that in the beginning the muppets!

So see what happens over the next week or 2.

[di30]

Re: Hamilton

What a load of B****X!

The guy from the insurance company it stating that he never heard of Click Finance, I have also confirmed that I have wrote to the CEO. In fact the letter reached them today.

And the email reply is saying to get in touch with Endeavour, he first said he spoken to HFC administration dept, who have said that we should contact Endeavour!
Back round in circles.
Saying that its making me really think now, cos we do have loads of HFC documentation from when this loan was taken out, so maybe I should go back to make them liable instead..........drat!

Email as below received.


Hi

Thanks for your email. Apologies for the late reply. I've not heard of Click Finance, therefore have contacted our H.F.C. administration team. In order to answer your queries they have asked me to ask you to contact the Endeavour Personal Finance Customer Services Team on 0845 6028230, who will be happy to assist you.

Hope this is of some assistance.

Thanks

B
Claims Lead Advisor

[di30]

Re: Hamilton

Thought I would do my own digging and if anything useful came through the post or email I would forward them to the adjudicator who is dealing with my reclaim, so last week other than writing to Hamilton/Aviva who did not know anything about Click I forwarded a letter to CEO as well, this morning a letter came through from EPF who I assume the CEO forwarded me details of the letter to them and here is the response here;

Acc No ********

18 February 2011

Mr & Mrs XXXXX
Property ***********

We write further to your letter dated 11 February 2011, informing us of your complaint.

As you are aware the loan and Payment Protection Insurance was sold by Click Finance, and they have now dissolved.

We can advise you of the number of the Direct Group Insurance who would be able to advise you further, you may contact them on 0800 051 1328.

Should you require further assistance please do no hesitate to contact our Customer Services Department on 0845 602 8230, Monday to Friday, 9.00am to 5.00pm, who will be pleased to help.


Yours sincerely

****** *****
Department Manager
Secured Lending Centre.

[di30]

Re: Hamilton

Received an email back from the adjudicator in regards of the above letter shown on the above post - I posted earlier today and here is the email just now received below.

Dear Mr & Mrs *****

Thank you for your emails today.

Essentially the fact that Click Financial are dissolved does not really change your situation. We are still unable to look at your complaint against Click Financial. The fact that they are not in existence anymore simply makes it more difficult to establish a link between them and Hamilton Insurance.

I do not see any harm in you sending a letter to Direct Group. As it stands at present we are looking to establish an agency relationship between Click Financial and Hamilton insurance. As yet we have been unable to establish that link. If Direct Group are able to assist in any way this maybe useful.

As expressed in earlier emails, please forward to me any documentation which you feel would assist me in establishing the aforementioned link. I believe in a previous email you said you would send in application details taken from Click Finance, details of the lender Endeavour Personal Finance and brokers commission paperwork. This maybe help.

Yours sincerely

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

[di30]

Re: Hamilton

I have a feeling we are going to make a different approach on this one.

Well I emailed Direct Group Insurance, the adjudicator said there would be no harm in doing so, since Hamilton/Aviva and also Endeavour gave us the details of these, this was originally to check out the agency relationship with Click Financial (who dissolved some years back) with the insurer.

However, over the last few days I have been getting all the info together from the SAR received about 2 years ago and I have lots of it from HFC bank as well, and going by the email received it looks like HFC must have arranged the insurance with Hamilton and as we cannot take it up with the broker because they are no longer active its been said to do this through the underwriter/insurer, all this time its been about Hamilton and I do have a feeling this should be HFC and not Hamilton.

Check the email received this morning from Direct Group, do you think they let the cat out of the bag on this one perhaps??

Good Morning Mr & Mrs

Unfortunately we have been unable to locate any information relating to you on our database from the details provided.

Direct Group are an insurance administration company and we do have some dealings with certain Hamilton Insurance products. However i am afraid we are not aware of the relationship between Click Finance and Hamilton Insurance.

Many of the policies we administer for Hamilton Insurance are sold/arranged via HFC bank. We would normally direct a customer with this type of query to HFC on 0870 0100453.

I am sorry we cannot be of more assistance

Kind Regards

A

Customer Service Advisor
Direct Group Limited
Direct House, 4 Sidings Court, Doncaster, DN4 5NU
T – 01302 380 300
E –
W - www.directgroup.co.uk

Please think before you print

[di30]

Re: Hamilton

Well it seems that the adjudicator don't believe HFC has anything to do with it, so hopefully by the time he receives my paperwork he will see there are lots of undewriting work from HFC.

And he states that HFC says their not responsible, but they would say that wouldn't they?


Here is the copy of the email just received from the adjudicator.

Mr & Mrs

Thank you for your emails today and yesterday.

I have noted the attachment you have sent and have been able to access it. Although I do not believe it is useful in terms of your claim thank you for sending it to me.

With regards to your previous two emails, as stated before if you wish to contact companies regarding your case then please feel free to do so. Although HFC has already stated to FOS that they are not responsible as the product was not sold by them, it was sold by Click Finance. Direct Group clearly state they do not have any record of you on their system so I do not believe it is appropriate to continue your claim against them. Hamilton Insurance were the company that underwrote your PPI policy.

I have not as yet received the paperwork you have detailed. However today's post has yet to be distributed as I write this email. I will email you once it is received.

Yours sincerely

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

[di30]

Re: Hamilton

My head hurts!!!!

Just don't seem to be getting anywhere with this one at all!!!!

Emailed Direct Group again to give them more details of our account, and despite Hamilton/Aviva/Endeavour and HFC giving the details for these its a complete waste of time and energy.

The most recent email from Direct group!

Good Afternoon Mr & Mrs,

We are able to search our database via various avenues. However a search via your surname and postcode would always bring up any information held on our database (providing we hold the details) regardless of the policy type or who it was sold by.

As i am unable to locate any information in relation to you from these personal details i can only assume that we do not hold anything for you.

If your policy was arranged between Endeavour Personal Finance and HFC we would not have the details as this is an area of Hamilton Insurance that we have no involvement with.

Again i'm afraid i only have the number i have already provided for queries of this nature.

I apologise i cannot help any further

Kind Regards

A

Customer Service Advisor
Direct Group Limited
Direct House, 4 Sidings Court, Doncaster, DN4 5NU
T – 01302
E –
W - www.directgroup.co.uk

Please think before you print

[di30]

Re: Hamilton

I do honestly think HFC are involved and found the HFC Customer Services Speaks forms, before the loan went through in 2004 - they had to speak to myself and my hubby separately!
This paperwork was within the SAR, and just because the Adjudicator says HFC said its nothing to do with them, they would say that wouldn't they, and besides HFC only refused when we wrote to them which is shown on the paperwork, so why should the FOS take that copy of the letter seriously, this was in 2008 for heavens sakes!

Its ok for the Adjudicator to say because the broker Click Finance dissolved, to go the insurer direction, but if this policy was underwritten and dealt with on the phone to us by HFC my point if they should be held responsible.

I done something sneaky as well but cannot tell the adjudicator this, because it may be classed as stalking!, but the name of the person on HFC speaks form is on Facebook, I checked and she works for HFC. So they are involved.

They should look at this in a new light and it does seem to make sense from the above email received from Direct Group as well that they've not hear of Click Finance, and if anything they would have had dealings on the insurance by HFC.

[di30]

Re: Hamilton

Received an email from the Adjudicator to confirm he have received the documents/paperwork and will be going over them the next few days!

Dear Mr & Mrs

I have received your documents via the post today and will be reviewing them in the upcoming couple of days.

Yours sincerely

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