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Hamilton/HFC/Endeavour.
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# 61
di3004
Old 21-06-2011, 10:22 AM
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Quote:
Originally Posted by marshallka View Post
Di, just found this on the FSA
  1. HFC has been regulated by the FSA since 1 December 2001 , but in relation to its insurance mediation activities, only since 14 January 2005 . It is an authorised person under the Financial Services and Markets Act with permissions to carry out a range of regulated activities.
http://www.fsa.gov.uk/pages/Library/...2008/004.shtml

Thanks Marshallka.

So it doesn't look anymore hopeful then really?

I have now sent off what we do have to the adjudicator by post this morning, not a lot of info really.
Could this be refused to be reviewed by the ombudsman now then I wonder if lack of evidence?

Think we posted something similar in the resources thread before as well.
Check this out here, of who underwrites PPI and so on, below I also copied and pasted some details of HFC/Hamilton.

http://www.competition-commission.or...xt/542_2_7.pdf


29. HFC Bank Ltd (HFC) distributed SMPPI, PLPPI and retail credit PPI though the brand ‘Beneficial Finance’ via branches, and through arrangements with retail partners.
22 On 14 July 2008 it withdrew its single-premium PPI products from sale, and on 6 October 2008 introduced a regular-premium product for customers taking out unsecured loans.
20
HBOS plc Annual Report and Accounts 2007, pp16–23.


21
HSBC Bank plc, Annual Report and Accounts 2007, p4.

22It also used to distribute SMPPI, PLPPI and retail credit PPI through the brands ‘Sterling Credit’ and ‘Endeavour Personal Finance’ by telephone, Internet and brokers.


30. HSBC, M&S Money and First Direct branded PPI was largely underwritten by third parties but a limited portion was underwritten in-house.
23 The majority of HFC’s PPI business was underwritten in-house until the sale of Hamilton Insurance Company and Hamilton Life Assurance Company to Aviva.24 LifeChoices is underwritten in-house.

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Last edited by di3004; 21-06-2011 at 10:25 AM.
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# 62
marshallka
Old 21-06-2011, 10:24 AM
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Seems like Endeavour was Appointed rep/tied agent to HFC at the time of your loan too.

If you go on the email address of Endeavour it is

colin.pryor@hfcbank.co.uk

Last edited by marshallka; 21-06-2011 at 10:28 AM.
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# 63
di3004
Old 21-06-2011, 10:26 AM
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Hamilton Transfer

http://hamiltontransfer.com/library/...cument.DOC.pdf


For example as listed.......

Household Bank Personal
Loan Payment Protection
13063 07/10/03
Creditor Insurance Policies HFC Bank Limited 60 month term

Beneficial Loan Personal
Loan Payment Protection
13063bf 01/09/01
Creditor Insurance Policies HFC Bank Limited 60 month term and longer

Beneficial Loan Personal
Loan Payment Protection
13063 Oct 2003
Creditor Insurance Policies HFC Bank Limited 60 month term

Beneficial Loan Personal
Loan Payment Protection
13063 Jan 2004
Creditor Insurance Policies HFC Bank Limited 60 month term

HFC Direct Loan Payment
Protection
92144 Nov 2003
Creditor Insurance Policies HFC Bank Limited 60 month term

Hamilton Direct Loan
Payment Protection
92144 Jun 02
Creditor Insurance Policies HFC Bank Limited 60 months and longer

Hamilton Direct Loan
Payment Protection
91964 11.03L
Creditor Insurance Policies HFC Bank Limited 60 months

And so on.

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# 64
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Old 21-06-2011, 10:28 AM
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Quote:
Originally Posted by marshallka View Post
Seems like Endeavour was Appointed rep/tied agent to HFC at the time of your loan too.

Yes I think so too.
Have been doing lots of researching as well, thanks for your help as well Marshallka


http://www.competition-commission.or...nd_app_7_1.pdf

Vertical integration

  1. Further, vertically-integrated distributors demonstrated that switching to an independent underwriter was feasible in practice. On 1 November 2007, HSBC, which had previously underwritten a proportion of its PPI business in-house, entered into a five-year agreement with Aviva (Norwich Union) to provide home insurance, PPI and travel insurance products for HSBC’s UK consumers. In addition, HFC, a subsidiary of the HSBC Group, sold its in-house underwriting business, Hamilton Insurance Company and Hamilton Life Assurance Company, to the Aviva group.8 This indicated that barriers to switching were not insurmountable and that the vertically-integrated distributors could switch to third party supply of underwriting services, given sufficient financial incentives.
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# 65
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Old 21-06-2011, 10:43 AM
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Quote:
Originally Posted by marshallka View Post
Seems like Endeavour was Appointed rep/tied agent to HFC at the time of your loan too.

If you go on the email address of Endeavour it is

colin.pryor@hfcbank.co.uk

Brill, thank you.
I will send him an email today to see if i can get any info from him, and just been looking through some paperwork his name is on one of 2 of them for some reason??
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# 66
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Old 21-06-2011, 11:00 AM
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I understand that HFC/HSBC sold Hamilton over to Direct Group, but when contacting them by email, they cannot connect any relationship - Click to Hamilton, as stated on the email posted as one of the above posts, they do mention HFC though.
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# 67
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Old 21-06-2011, 11:04 AM
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http://www.creditfinancecentre.co.uk...insurance.html





HAMILTON INSURANCE
The Hamilton Insurance companies was established in the early 1980's. They provide a range of creditor insurance products to various insurers, credit card companies, nance co's , banks & mortgage providers.

In 2007 Aviva Life Insurance completed the acquisition of Hamilton Insurance Company Ltd and Hamilton Life Assurance Company Ltd from HFC Bank plc ("HFC"), a subsidiary of HSBC Finance Corporation.
Hamilton Insurance underwrites plans from numerous Companies - including plans from Synergy Protect Insurance.
As announced from 4/2008, the Aviva Life Insurance brand will become dominant as they decide to drop the 200 year old Norwich Union brand. Norwich Union had merged with CGU, which itself was formed from the merger of General Accident and Commercial Union in 1998. Upon merging they formed CGNU Life Insurance Group which went on to become the Aviva group.

Hamilton Insurance Ltd currently offers various protection policies including Mortgage Loan & Income Payment Protection Insurance (MPPI). Mortgage Protection Insurance ASU protects people from falling behind with their mortgage repayments with unemployment redundancy cover.

Looking in 2011 to compare Hamilton Life Insurance against other Uk Insurers

> Need a Competitive Life or Critical Illness Insurance Quote ?

Article on:Hamilton Insurance ~ for more information visit.www.aviva.co.uk*
( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.)
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# 68
marshallka
Old 21-06-2011, 11:59 AM
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Just noticed a "new" Click Finance Limited has started up in April last year. Nothing (as I know to that is) to do with Click Financial Limited/Click Finance Limited but they must have liquidated and paid all up if the name has been sold on. Pity the poor sods that have used it.

Its address is southend on sea. Essex

http://bizzy.co.uk/uk/07210941/click-finance

BUT nothing on companies house webcheck??? Edit, I have found it as new company......!!!

Last edited by marshallka; 21-06-2011 at 12:18 PM. Reason: found click on companies house
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# 69
marshallka
Old 21-06-2011, 12:23 PM
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AND it seems the new Click Financial Limited is liquidating too

http://bizzy.co.uk/uk/04183791/click-financial

http://www.london-gazette.co.uk/issu...ancial+limited
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# 70
di3004
Old 21-06-2011, 1:01 PM
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Quote:
Originally Posted by marshallka View Post
Just noticed a "new" Click Finance Limited has started up in April last year. Nothing (as I know to that is) to do with Click Financial Limited/Click Finance Limited but they must have liquidated and paid all up if the name has been sold on. Pity the poor sods that have used it.

Its address is southend on sea. Essex

http://bizzy.co.uk/uk/07210941/click-finance

BUT nothing on companies house webcheck??? Edit, I have found it as new company......!!!

Strange that, I was searching yesterday as well on Company Search and nothing came up.

Blimey so they've done it again then, closed one and opened another, how many times have they done this now I wonder?
Bet its still the same director as well.
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# 71
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Old 21-06-2011, 1:02 PM
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Originally Posted by marshallka View Post

OMG! I know they do it, but it seems so wrong doesn't it?
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# 72
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Old 21-06-2011, 1:12 PM
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On my Application form Click Finance......Vicotoria House, 23-27 South Street, Farnham, Surrey, GU9 7QU
info@clickfinance.net
www.clickfinance.net (this comes up in chinese language or japanese lol)

Yet I have another piece of paperwork 1 Click loans,
And Click.net.


Click Finance LTD (04239176) registered in England at Bridge, South Street, Farnham, Surrey

GU9 7RS

(FISA)

Put the company number in - search companies house and this is what it came up with.....

Company Number Not Found - Please Try Again
Disclaimer - Company information supplied by Companies House
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Last edited by di3004; 21-06-2011 at 1:17 PM.
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# 73
marshallka
Old 21-06-2011, 1:23 PM
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Quote:
Originally Posted by di3004 View Post
On my Application form Click Finance......Vicotoria House, 23-27 South Street, Farnham, Surrey, GU9 7QU
info@clickfinance.net
www.clickfinance.net (this comes up in chinese language or japanese lol)

Yet I have another piece of paperwork 1 Click loans,
And Click.net.


Click Finance LTD (04239176) registered in England at Bridge, South Street, Farnham, Surrey

GU9 7RS

(FISA)

Put the company number in - search companies house and this is what it came up with.....

Company Number Not Found - Please Try Again
Disclaimer - Company information supplied by Companies House
If you go on Dissolved it comes up

CLICK FINANCE LIMITED
BURLEY HOUSE
12 CLARENDON ROAD
LEEDS
YORKSHIRE
LS2 9NF
Company No. 04239176


Status: Dissolved
Date of Incorporation: 21/06/2001

I think 1click loans was a trading name of Click.


I just typed 1 click loans into the OFT register and this came up

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode
0506811Click Finance LimitedLapsed on 04/08/2006 GU9 7QU
0563597Click Financial LimitedCurrent GU9 7LG
0616548Click Loans Services LimitedCurrent GU9 7LG


The CLick Loans Services says the same directors as the others, (Flannery and Teague and also the same address) and it was "given" a licence in 2008..??

Click Financial Limited was only given a licence on 22nd Jan 2005? Just after the other one closed down of course but it was incorporated in the background waiting so to speak from what it looks like.

AND it seems that Click Loans Services Credit (which is still the name that the OFT have registered) IS NOW
Name & Registered Office:
SUPERIOR CREDIT LIMITED
32 ALDERSHOT ROAD
FLEET
HAMPSHIRE
GU51 3NN
Company No. 05893349

Previous names
24/06/2008SHAWODDY LIMITED
10/06/2008CLICK LOANS SERVICES LIMITED

Did they forget to tell the OFT of the name change or are they supposed to???

Last edited by marshallka; 21-06-2011 at 1:35 PM.
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# 74
di3004
Old 21-06-2011, 1:29 PM
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Quote:
Originally Posted by marshallka View Post
If you go on Dissolved it comes up

CLICK FINANCE LIMITED
BURLEY HOUSE
12 CLARENDON ROAD
LEEDS
YORKSHIRE
LS2 9NF
Company No. 04239176


Status: Dissolved
Date of Incorporation: 21/06/2001

I think 1click loans was a trading name of Click.


I just typed 1 click loans into the OFT register and this came up

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode
0506811Click Finance LimitedLapsed on 04/08/2006 GU9 7QU
0563597Click Financial LimitedCurrent GU9 7LG
0616548Click Loans Services LimitedCurrent GU9 7LG


The CLick Loans Services says the same directors as the others, (Flannery and Teague and also the same address) and it was "given" a licence in 2008..??

I forgot to click on the dissolved section that's why it never came up for me lol.

The same directors from when we taken our loan out with them.

I do have saved details from companies house on the older computer if I remember correctly.
A licence in 2008?
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# 75
marshallka
Old 21-06-2011, 1:36 PM
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Originally Posted by di3004 View Post
I forgot to click on the dissolved section that's why it never came up for me lol.

The same directors from when we taken our loan out with them.

I do have saved details from companies house on the older computer if I remember correctly.
A licence in 2008?
Just added more to that post but it seems there was also another company called Click Loans Services which then changed its name as on Companies house BUT the OFT still have it under the old name for some reason??? Same directors though????

Just found this

http://opencorporates.com/data/325457

I think that is ALL the Click companies gone kapoot!!

http://www.companiesintheuk.co.uk/ltd/click-group

Last edited by marshallka; 21-06-2011 at 1:42 PM.
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# 76
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Old 21-06-2011, 1:47 PM
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http://www.mandis.co.uk/SpecimenDocs...ate.htm#M40910
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# 77
di3004
Old 21-06-2011, 2:22 PM
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Quote:
Originally Posted by marshallka View Post
Just added more to that post but it seems there was also another company called Click Loans Services which then changed its name as on Companies house BUT the OFT still have it under the old name for some reason??? Same directors though????

Just found this

http://opencorporates.com/data/325457

I think that is ALL the Click companies gone kapoot!!

http://www.companiesintheuk.co.uk/ltd/click-group
It looks that way with them all gone kapoot!

Why do they do it, dissolve, start another?
I remember the name for it - phoenix something like that isn't it?

I have just found some details of Click within paperwork of Click in Bear Lane as well, so confusing with them running so many.
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# 78
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Old 21-06-2011, 2:24 PM
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Originally Posted by marshallka View Post
If you go on Dissolved it comes up

CLICK FINANCE LIMITED
BURLEY HOUSE
12 CLARENDON ROAD
LEEDS
YORKSHIRE
LS2 9NF
Company No. 04239176


Status: Dissolved
Date of Incorporation: 21/06/2001

I think 1click loans was a trading name of Click.


I just typed 1 click loans into the OFT register and this came up

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode
0506811Click Finance LimitedLapsed on 04/08/2006 GU9 7QU
0563597Click Financial LimitedCurrent GU9 7LG
0616548Click Loans Services LimitedCurrent GU9 7LG


The CLick Loans Services says the same directors as the others, (Flannery and Teague and also the same address) and it was "given" a licence in 2008..??

Click Financial Limited was only given a licence on 22nd Jan 2005? Just after the other one closed down of course but it was incorporated in the background waiting so to speak from what it looks like.

AND it seems that Click Loans Services Credit (which is still the name that the OFT have registered) IS NOW
Name & Registered Office:
SUPERIOR CREDIT LIMITED
32 ALDERSHOT ROAD
FLEET
HAMPSHIRE
GU51 3NN
Company No. 05893349

Previous names
24/06/2008SHAWODDY LIMITED
10/06/2008CLICK LOANS SERVICES LIMITED

Did they forget to tell the OFT of the name change or are they supposed to???

Goodness knows, but blimey so many.

I remember writing to Click (the ones that were last active) and they forwarded me the details of the Burley House address but never did get any response from them.
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# 79
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Old 21-06-2011, 2:27 PM
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Marshallka, just checked the emails now and just received an email from the adjudicator, he no longer wants us to send any emails or letters to HFC and only to him only.

Last week when writing to HFC I did send them a copy of the customer speaks form (maybe this was a mistake) and to ask what their involvement was, but they did not mention anything about HFC's involvement at all.

Anyway check this out.



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
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# 80
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Old 21-06-2011, 2:38 PM
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Quote:
Originally Posted by di3004 View Post
Marshallka, just checked the emails now and just received an email from the adjudicator, he no longer wants us to send any emails or letters to HFC and only to him only.

Last week when writing to HFC I did send them a copy of the customer speaks form (maybe this was a mistake) and to ask what their involvement was, but they did not mention anything about HFC's involvement at all.

Anyway check this out.



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
Di, don't want to bank your hopes here but I think you may have them TBH. It sounds like they are now going to look into it for you. I just hope all the digging has paid off for you. I really do!!! And it will not harm with all the Click info on here just to make "Others" aware of these companies if you know what I mean.

You are just going to have to wait now and see what comes of it. I realise that you have been round the roundabout a few times with this but hopefully it will come a nice ending.

Good luck
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