Hamilton

[di30]

Re: Hamilton

Forgot to say I emailed Competition Commission in regards of this matter yesterday, in hope they will know more of these underwriters and about our case, they did get back quicker just to let us know the email is being passed on, as below here.

Dear Mr & Mrs,

The Competition Commission acknowledges receipt of your email. Your email has been forwarded to ********* *******, our Inquiry Manager for the PPI Inquiry.


Yours sincerely
**** **********

Information & Records Officer
Competition Commission
Victoria House
Southampton Row
London WC1B 4AD

[Gerry]

Re: Hamilton

Going to ma pals for dinner, I'll read through this when i get back honey.

Gerry x x

[di30]

Re: Hamilton

Enjoy your dinner honey, and catch you later, thanks sweetheart XXXX

[billypre]

Re: Hamilton

I'm lost lol. Who are the underwriters ? Is this what you are having trouble proving ?

[di30]

Re: Hamilton

Hi Billy

Thanks for your time reading all this, confusing i know lol.

The last few weeks, even though the investigations are ongoing, the adjudicator are trying to connect the link relationship from the Broker Click Finance and the Insurer, but because Click Finance dissolved some years ago its difficult.
But my point to them is that when the loan was going through in 2004 it was HFC that Click put us through to who sorted out the insurance on behalf of Click Finance, to have insurance with Hamilton.

So in my opinion its HFC they should pursue and not Hamilton, this proves it from the email received from Direct Group. Direct Group work with Hamilton/Aviva if you know what I mean.


So confusing lol.

[di30]

Re: Hamilton

Chased up Aviva/Hamilton again and here is the email here received just before the end of the working day today...... (my email send to them before receiving this one is below).

Hi

Thanks for your email. I have been in contact with HFC administration regarding your query.

They have advised me for you to contact Endeavour Personal Finance directly if your query relates to miss-selling on telephone number 0845 6028230.

We are unable to advise on the sale of PPI, as Hamilton Insurance do not sell PPI, but would only deal with any aspect of claims handling.

Thanks

B
Claims Lead Advisor



.................................................. .................................................. ....................




D01/03/2011 16:57

To

@aviva.co.uk

cc
Subject

Policy number




Dear ******

Policy number

Today we received an e-mail from Direct Group and they do not hold any information on our account.

Here I copy and paste a copy of the e-mail for your records, I previously received details that was passed on to you to contact Direct Group, and I received a letter from Endeavour Personal Finance to contact Direct Group, but it seems they do not hold any information.

They have stated that if our policy was arranged between EPF, & HFC, they would not have the details as this is an area of Hamilton Insurance that they have no involvement with.
Do you still hold any details at all in regards of the policy we held?

As with it being Hamilton, and my policy paperwork I have was underwritten by Hamilton is there another department that I should contact on this matter please? Could this be HFC etc who would know perhaps?

So sorry for the e-mails, it seems we are not getting anywhere on tracking this down and am sure you can understand our frustration in this matter.
Again thank you, much appreciated.
I look forward to hearing from you.

Kind Regards

[di30]

Re: Hamilton

And another email from Direct Group, my email is below their own..........

Good Afternoon Mr & Mrs,

Sorry for the delay in response. I am afraid i do not have any details of Hamilton Insurance themselves, however, i have referred your query to our support team who provided us with all details that we do hold for Hamilton Insurance customers.

I have been advised that this is not something that Direct Group would have any dealings with but that this query should be directed to Endeavour Personal Finance on contact number 0845 602 8230. As far as i am aware, the department who can assist you on this telephone number have had a note added to your file so they are aware it is something they need to deal with for you.

I hope this information helps you get your matter resolved

Kind Regards
A

From: D
Sent: 02 March 2011 15:37
To: A
Subject: Re: FW: Query/Hamilton

Good afternoon

So sorry to bother you again.

We have been checking through paperwork and it seems we did have contact with HFC on the loan we taken out, this was a customer service Speaks form and other paperwork we came across.

However, you did confirm you held no details as such on your database, so wondered if you have details of Hamilton Insurance themselves? We have spoken to Aviva which we assumed taken over from Hamilton but they just passed on your details of Direct Group.

Apologies for the emails, we are trying to come right down to this matter, which is a also being dealt with by the Financial Ombudsman Service (FOS) on information in regards of our Hamilton policy and other companies involved, thank you once again.

I look forward to hearing from you.


Kind Regards

[di30]

Re: Hamilton

I think both Aviva/Hamilton have been in touch with each other, going by the email from Direct group, and she says something about a note on our file with Endeavour???

[di30]

Re: Hamilton

Seems like the Competition Commissioner can't do anything!

Will post up the copy of the email shortly, but why on earth did they say they would pass it on to the PPI inquiry dept in the first place? beats me.

[di30]

Re: Hamilton

Dear

,
Thank you for your e-mail to the Competition Commission.

I regret the Commission is therefore unable to assist with your query. The Competition Commission (CC) is one of the independent public bodies which help ensure healthy competition between companies in the UK for the benefit of companies, customers and the economy. Our inquiries are always initiated following a concern referred to us by another authority: usually the Office of Fair Trading. We also investigate issues referred to us by the sector regulators for communications, gas and electricity, water, rail, airports, postal services, or by the Secretary of State for Business, Innovation and Skills. Click here for further details on sources of our investigations; we cannot investigate companies or markets without a referral from one of these bodies
The appropriate body for you to contact in this instance is the Consumer Financial Education Body (CFEB). The Consumer Financial Education Body is responsible for helping consumers understand financial services in the UK. You may find the CFEB at: http://www.cfebuk.org.uk/

Yours sincerely

Information & Records Officer
Competition Commission
Victoria House
Southampton Row
London WC1B 4AD

[di30]

Re: Hamilton

Chased the adjudicator up again, and the case not moved on that much really.

Email received here.

Dear Mr &Mrs E

Thank for your emails.

As explained, Endeavour Personal Finance are not responsible for your PPI policy as they did not sell the policy. They are part of the chain of companies we need to establish an agency relationship between. To resolve this issue is going to take time. I appreciate all the emails you have sent to various businesses and these emails have been added to your file. As also explained we have not yet been able to establish an agency relationship between Click Finance and Hamilton, but our investigations are ongoing. If there is any change I will update you straight away.

Yours sincerely

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

[di30]

Re: Hamilton

The usual standard update received from the FOS today. (This have been going on for 2 years now at least).


Dear Mr & Mrs *****


YOUR COMPLAINT ABOUT HAMILTON INSURANCE COMPANY LIMITED.

I am writing with a further update on your complaint.

As you are aware we are looking into whether we can consider your complaint against the underwriter of your PPI policy/ies. This is because we are unable to consider your complaint againt the business that sold your policy/ies.

Due to the complex nature of the issues involved, there will be a delay. I am sorry.
We will provide you with a further update on your complaint by 31 May 2011.


Your sincerely

FOS

[di30]

Re: Hamilton

I sent some emails to the FSA since 4th March and sent them reminder emails, because of not hearing anything back, normally you hear something by 12 days, but their website does say it may take longer if more complexed etc.

This is in regards of my case with the FOS, my feeling is they should be dealing with HFC who were the ones who we spoke to when the loan went ahead, but the FOS seems adamant that it should still be the underwriter, so now awaiting for a response from the FSA about this matter and see what they say, but for now here is the copy of the email.

Our Ref:


In order that we can deal with this matter as quickly as possible please do not delete the Subject line of this email when you reply. You can add further wording to it but please do not remove ***********

Dear Mrs

Thank your for your emails dated 4 March 2011 and subsequent emails dated 22 March and 12 April 2011.

I am currently dealing with your enquiry. Unfortunately this is taking slightly longer than anticipated to deal with

I appreciate that you would like a response as soon as possible to your enquiries, and will contact you again when I am able to provide this.

Thank you for your patience while I deal with this matter, and I apologise for any inconvenience that this delay may cause you.

If you have any future questions on financial services and products, you may find it easier to call our Consumer Helpline on 0845 606 1234 (call rates may vary). You can also access relevant information online at:
www.fsa.gov.uk/pages/consumerinformation

and via the Money Advice Service website:

www.moneyadviceservice.org.uk/.

I trust this is of assistance.

Yours sincerely

P (Mr) (
Customer Contact Centre
Financial Services Authority
Consumer Helpline: 0845 606 1234 (call rates may vary)

[di30]

Re: Hamilton

Next update due at the end of this month.

Just hope all is worthwhile, because it will be 2 years this coming Sept/Oct since its been with the FOS....... and they are still basically on the first stages!

[di30]

Re: Hamilton

I emailed the adjudicator last Friday just to make sure if we are due for an update, and he emailed back this morning to confirm either late this week or early next week, not sure if its good or not though, by his comment (If you have any queries on receipt do not hesitate to contact him) it makes me think.........

Dear

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: E: