Hamilton

[CleverClogs (RIP)]

Re: Hamilton

Hi Di,it,s about time that the fos put someone else on your case this one just doesn't seem to grasp the issues.

It would be difficult to grasp matters he cannot see:

[di30]

Re: Hamilton

Hi Di,it,s about time that the fos put someone else on your case this one just doesn't seem to grasp the issues.

Cheers Cappo.

I just hope after all these years, there will be a break-through on this.

I must admit though - not saying it will change the decision, but its the first time HFC have accepted to look into it, as I did try this direction with them over 3 years ago, and they then kept passing it back to Click.
I would like to see concrete evidence myself if they try to deny any part in this one.

Shall keep you posted and thank you for your continued support x

[cappo]

Re: Hamilton

LOL

I think I know what happened here, I wrote to HFC and as we wanted some questions answered on their involvement of the loan, i did enclose a piece of paperwork of their's to prove their involvement, so of course they must have let the adjudicator know, yet we have been sending him all the details, just wish he would take note and read them lol.

Hi Di,it,s about time that the fos put someone else on your case this one just doesn't seem to grasp the issues.

[di30]

Re: Hamilton

Why the buggery would you send your evidence to the momzers at HFC?

LOL

I think I know what happened here, I wrote to HFC and as we wanted some questions answered on their involvement of the loan, i did enclose a piece of paperwork of their's to prove their involvement, so of course they must have let the adjudicator know, yet we have been sending him all the details, just wish he would take note and read them lol.

[CleverClogs (RIP)]

Re: Hamilton

If you have anything further to add in terms of evidence to HFC then please send it to me rather than to HFC Direct.

Why the buggery would you send your evidence to the momzers at HFC?

[di30]

Re: Hamilton

I agree Cappo.

Well today received an email from the adjudicator, who confirms he have heard from HFC who will be getting back to him in regards of our issues.

Dear

Thank you for your previous emails.

I have been contacted by HFC this afternoon. They have informed me that they have received all of your recent letters and emails. They have stated that they are looking into your concerns and are progressing the case as quickly as possible. However any response HFC issue will come to me and not be sent directly to you in response to your letters and emails.

If you have anything further to add in terms of evidence to HFC then please send it to me rather than to HFC Direct.

Yours sincerely

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

[cappo]

Re: Hamilton

Well, the Adjudicator got back yesterday and said he contacted HFC, who verbally claims they had nothing at all to do with the insurance side of it, and then was told we would have to provide concrete evidence that Click Finance the broker had nothing at all to do with the insurance.

So what I did was go through all the SAR docs requested from the lender Endeavour/HFC some time ago, and found the Click Finance application form.

The application just shows both mine and hubby's details, address and old address, date of birth, amount of loan required, which was £21K over 240 months, no ppi ticked for.

Anyway, the loan agreement - Endeavour/HFC which we received to sign after the loan was paid out after going through the security questions and if we required more funds in the future, this was made by HFC before the loan was paid out.

The agreement is that of over 300 months, loan £21K and ppi of just under £3K.

How we missed this earlier goodness knows, but it seems like we went through the loan with Click the broker, the details were passed on to Endeavour the lender, who then arranged the loan and went through HFC.
With the loan agreement not being received before the loan was paid out, which they asked us in a hurry to send back after signing, I remember that very well.

It's amazing what these lenders will do Di to avoid paying out,shame on them!

[di30]

Re: Hamilton

Well, the Adjudicator got back yesterday and said he contacted HFC, who verbally claims they had nothing at all to do with the insurance side of it, and then was told we would have to provide concrete evidence that Click Finance the broker had nothing at all to do with the insurance.

So what I did was go through all the SAR docs requested from the lender Endeavour/HFC some time ago, and found the Click Finance application form.

The application just shows both mine and hubby's details, address and old address, date of birth, amount of loan required, which was £21K over 240 months, no ppi ticked for.

Anyway, the loan agreement - Endeavour/HFC which we received to sign after the loan was paid out after going through the security questions and if we required more funds in the future, this was made by HFC before the loan was paid out.

The agreement is that of over 300 months, loan £21K and ppi of just under £3K.

How we missed this earlier goodness knows, but it seems like we went through the loan with Click the broker, the details were passed on to Endeavour the lender, who then arranged the loan and went through HFC.
With the loan agreement not being received before the loan was paid out, which they asked us in a hurry to send back after signing, I remember that very well.

[di30]

Re: Hamilton

HFC received my most recent letter today - as checked on Track & Trace via Royal Mail, the Adjudicator also states he will be contacting them this week as well and get back to us to let us know what is said, as on email received below.

Dear Mr & Mrs

Thank you for your previous few emails.

I will be contacting HFC this week. Once I have heard from them I will email to you what they have said.

Yours sincerely

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

[di30]

Re: Hamilton

Yes very frustrating indeed.
Seems to be going on forever.

This was added as a lump sum to the loan, and yes the insurer did receive this as a lump sum from the lender.

[CleverClogs (RIP)]

Re: Hamilton

Well, aren't the Fobbing Off Service a smug and self-satisfied wunch of bankers?

It should be quite simple to establish a relationship between the lender and the provider of the useless PPI, as all one need do is to follow the money. How did the uninsurance company receive the "insurance" premium(s) - was it paid as a lump sum directly from the loan provider, or was it paid monthly by the loan provider from the loan repayments?

What's really needed, of course, is an ombudsperson to whom one may refer unresolved complaints about the ombudsman.

[Miss Molly]

Re: Hamilton

This must be extremely frustrating for you.

[di30]

Re: Hamilton

Received a letter from HFC/Endeavour in the post today, although they did not give a complete answer to our query, so another letter is going off in the post tomorrow.

The Adjudicator has a copy of letter received, I sent it online to him today, and the letter we are sending off, he also said he will be contacting HFC to speed the process up.

[di30]

Re: Hamilton

It was confirmed by the Adjudicator that the letter was sent out automatically, where they are sent in batches, and by the time he cancelled it was too late, the letter was posted.

On another note he have agreed that we should get some notification now from HFC on their involvement with this loan.
We are given until the 30 of this month to forward the details.

[di30]

Re: Hamilton

The adjudicator is giving me extra time until 30 June to forward further info and if i want this reviewed by the ombudsman, but there's been a C***up somewhere, because received another letter but from the Team manager in the post today in regards of the same complaint.......

This letter has the same reference number XXXXXXXXX/different here though.

Dear Mr & Mrs

YOUR COMPLAINT ABOUT HAMILTON INSURANCE COMPANY LTD

I am writing to let you know that we are continuing to look into whether we can consider your complaint against the underwriter of your PPI/Policy/ies.

We are in contact with the underwriter but because of the complex issues involved, it will be some time before this matter is decided.

We will continue to keep you updated on our progress and will write to you again no later than 31 August 2011.

Thank you for your patience.

Yours sincerely

Team Manager.