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    • #1
    • 18th Jun 11, 4:20 PM
    Hamilton/HFC/Endeavour. 18th Jun 11 at 4:20 PM
    This is a rather complex case, which have been with the adjudicator since 2009.

    Marshallka you will know about this one and helped me big time and throughout, thank you.

    As the broker dissolved in 2006, I have been going all directions with this, it was suggested to go the underwriter direction Hamilton Insurance, but the adjudicator recently came back and said they are unable to establish a relationship from the broker to the insurer, despite sending the adjudicator the documents which states this.

    So its now gone over to HFC, tried saying to the adjudicator a long time ago that these had involvement on the loan before it was paid out in July 2004.

    This is now to be moved on to the ombudsman for a review, and the adjudicator emailed to confirm that he got in touch with HFC yesterday, and HFC said they had no involvment in the loan/ppi whatsoever (fair enough).
    Then the adjudicator said to supply him with concrete evidence that Click Finance did not sell the PPI.

    Now this have come to a new light, because yesterday due to this I was searching through old paperwork and came across the copy of the Click Finance Application form.
    All details of my and hubby, address/DOB, amount of loan required, they have down £21K over 240 months.
    No PPI ticked on the application form at all.
    Now this was signed and dated on the 16 July 2004.

    Click Finance then put us in touch with Endeavour, we went through the loan of as stated on the application form - £21K.

    Endeavour then said both me and hubby will be receiving a telephone call where we both have to speak in order for the loan to go ahead, and this was HFC, they also said (as proved on the paperwork) if we required more funds is to contact them). This paperwork was signed for on the 26th by them as its a copy of their own paperwork we received within a SAR.

    So on the 30 July the loan was in the bank, then the same day the loan agreement was sent from Endeavour, I remember because it was my birthday lol, loan amount £21K, Single PPI of just under £3K over 300months (Yes so stupid not to notice this, so laid back then).
    In light of this though and finding the application form from the broker yesterday this is where we noticed the difference in the loan term.

    So with not knowing much about ppi then, we just obviously assumed ppi was part of the loan as shown on the agreement, so the months were expanded because of the ppi, so so stupid I know not to question this, but then we did use to think it was part of the loan.

    So I have now passed on all the details to the adjudicator yesterday, see if something is amiss here.
    Last edited by di3004; 18-06-2011 at 4:24 PM.
    The one and only "Dizzy Di"
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