Hamilton

[cappo]

Re: Hamilton

Thank you IF.X

I am hoping with the adjudicator saying he have reviewed our paperwork, this means its sufficient and enough to support our case.
Fingers crossed. x

We'll be crossing everything possible to cross Di,good luck,keep going my woman.

[di30]

Re: Hamilton

Thank you Cappo xx

Also with him saying there is no need to provide further info unless we wanted to of course - that he feels what we have sent is enough, I do really hope so.

[CleverClogs (RIP)]

Re: Hamilton

Unless he has a transparent abdomen, he might not have read it all.

[di30]

Re: Hamilton

Unless he has a transparent abdomen, he might not have read it all.

LMAO that sounds more like it LOL

[di30]

Re: Hamilton

I do have my doubts, but hope when its passed on to be reviewed that the ombudsman will see through this, I do now also have a good mind to speak to my local MP, but not saying he can do much though, but anything is worth a shot.

[di30]

Re: Hamilton

I thought HFC/Endeavour were not writing directly to me, the Adjudicator said all responses will be going back to him, yet we received a letter dated 24 June (so they typed this out yesterday - Friday) and it arrived in the post this morning, think they are trying to make a point.
All the time they said HFC had no involvement they are now stating HFC may have been involved, but still covering their ground.
So due to this I am expecting the letter from the Adjudicator about this as well, still in regards of the Click Application form and the Agreement have not been brought up as yet with them, this have only been a recent thing with the FOS, so that is yet to come.

Anyway, letter here received in today's post.........

Dear Mr & Mrs

Account number: ***********

We write to you further to your letter dated 14 June 2011.

You requested in your letter details of HFC's involvement with Endeavour Personal Finance.
As you will see on the bottom of your Credit Agreement it states registered number and registered address, then advises a member of the Household International Group of Companies.

As part of the Household International Group of Companies the policy was to speak to customers to ensure information passed on by Brokers were correct. For this reason you could have been contacted by a member of staff from HFC Bank Limited.

Should you require any further assistance please do not 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

Well I have emailed a copy of the letter received as above to my Adjudicator, I expect he will get back to say he already received a copy, but I assumed we would have no response directly from HFC/Endeavour as stated by the Adjudicator that they will be sending directly to him and not us.
I think HFC are just trying to make a point and hoping we will back off, but not a chance!

[di30]

Re: Hamilton

We have been informed that the Adjudicator have already been in touch with HFC in regards of why there is no PPI on the Broker loan application and questioning on the lender loan agreement, so HFC have until 30th of this month to respond to that matter or he will do some chasing.

Dear

I apologise for the delay in responding to you. Once I have received a response from HFC, I will respond to you accordingly in full. I gave HFC till the 30 June to respond to the request I sent to them regarding your case, so I will chase them if nothing is received by close of business on that date.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay

[di30]

Re: Hamilton

Am expecting a letter from the Adjudicator over the coming week, well I have heard that one before where he says "a letter will be sent early next week" yet a few weeks on I have pestered asking where the letters are.
I am expecting a letter that they have not enough evidence to make HFC responsible, so even though they were involved somewhere into the process of the loan, it will be I feel a rejection.

But it looks like its going to swing back round to Hamilton yet again lol.
Over at LB, I have had some fab advice and it seems the reason why the Adjudicator is not able to establish a relationship from Click/Endeavour to Hamilton is because Endeavour used a Mortgage Packager to do all the work, so in this case even though Click are classed as Brokers, themselves and Endeavour have failed to confirm they are Mortgage Packagers/brokers where they are paid to do all the work, collect reference from the employer, the mortgage valuation and so on, this is something a broker would not do!

So where there is a clause in the t&c's that Endeavour will not take any responsibility as we used a broker of our own free will, there is no broker, so its back to them to provide the evidence of Hamilton.

Long and winded but am determined to get there.

[Hector]

Re: Hamilton

Complicated. Why can't the present creditor be held liable for the PPI anyway, as they purchased the account with all rights and responsibilities?

[di30]

Re: Hamilton

Complicated. Why can't the present creditor be held liable for the PPI anyway, as they purchased the account with all rights and responsibilities?

Yes exactly Hector.
They certainly giving me the runaround, shame the FOS can't see through this, will see what that letter brings this coming week if it arrives.

[di30]

Re: Hamilton

Hoping the letter will arrive this week lol.

I did email the Adjudicator yesterday to request they email the letter as they did last time, its a lot quicker, post where I live is not the best.

[di30]

Re: Hamilton

Chased the Adjudicator up, as we felt we need to get on with this matter for as soon as possible, postie been and gone and nothing in the post from him today, so asked him if a letter had been sent yet and said we do have more info to send if necessary.
So basically he more or less said he agrees with HFC and with not being under jurisdiction anyway, but said to forward more info in light of what we told him, so any help with this will be fab, thank you.
Do you think I should go for the timescale he have given until 19th July or just get on and send all the info soon.
Think I need to explain the issues of this case as well.

Dear

It is pointless for me to write a opinion on this case for you to then again give me more documentation that I have to review and possibly do another opinion. It is important to say at this stage that following discussions with the HFC, I am still satisfied as before that they are not responsible for the sale of your policy and that it was sold by Click Finance. My view was going to detail exactly what was said to me by HFC and inform you that I am of the opinion your case is not within the jurisdiction of this service.

However as expressed above it is not reasonable to send this letter to you without receiving all your information. Therefore can you send me any new evidence you have including the below. As I need all the information to fairly adjudicate this case. If you want some more time to conduct your own investigation that is fine, please let me know, as I do not want to review the below and be in the position to write an opinion and then you come back with more evidence.

If you are sending the below evidence to me shortly then please indicate if this is all you wish for me to look out or if you want more time to conduct further investigations and I will allow till 19 July 2011 for you to send everything to me.

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





I agreed to more time offered as well, and he just emailed back again to say he will not be looking at the merits of the case, so then it will obviously be moved on to the ombudsman.

Dear

I can confirm that you can have till 19 July to complete your investigations. To confirm I will not be looking into the merits of the case, just whether Click Finance sold the policy to you or not.

Please inform me also by 19 July if you need further time, as once I have received your info I will be doing a view as quickly as possible following the 19 July this this case can be progressed effectively.

Yours sincerely

M
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E1
E:

[di30]

Re: Hamilton

Attitude!!!!

As he confirmed he will not be looking into the merits of our case, I asked him he could let us know if this will be the case of going back to Hamilton, but he will not say, yet if a bank or business had asked him a similar question they would get a firm answer, thought they supposed to be impartial, and I bet he never received written information from the other side either, all verbal where I had to provide the info which is the right thing to do.

And going back to my post in the above post, he said about not checking the merits but checking if Click did sold the loan, he flipping knows that already, because he has copies of the application form!! Honestly!

Anyway, email below in regard of my first paragraph above.

Dear

I cannot comment on what I will be doing with the information until I have received it and reviewed it. Therefore as expressed in my previous email. Please send all the info you have by 19 July 2011.

Yours sincerely
Ma
Adjudicator | Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR E: mat

[di30]

Re: Hamilton

Been very busy with a four page A4 letter to the FOS/Adjudicator, with help from "The Big Dog" over at LB.

My back's in half though , and been sorting out all the relevant paperwork of the broker, or should I say Mortgage loan packager.