Hamilton/HFC/Endeavour.

This is a letter resent to them, its clear and simple.......


For the attention of:

　
Dear ****** *****/or whoever can deal with this matter.

Your ref:

Account Number:
　
Thank you for your letter dated 09 June 2011.

Your letter was in regards of a previous letter sent to you dated 07 June 2011.
Our query was in regards of HFC Bank and the involvement they had prior to receiving the Loan funds.

Your letter confirmed who was who, that we are already aware of.
Click Finance - The Broker
Endeavour Personal Finance - The Lender
Hamilton Insurance (Now Direct Group).

But you have not mentioned HFC Bank’s involvement as requested in our last letter.
Your colleague who is a Underwriter for HFC bank had spoken to us before the funds were paid to us. Endeavour Personal Finance had arranged for this as procedure, and said the Underwriters would be in touch to speak to both myself and my wife separately. This was of the Loan policy.
And to finalise everything before the loan was paid to us.

However, we do have documents/paperwork of HFC being the Underwriters.
We did previously contact Direct Group, who got back to us and said we was to contact you, because even though Hamilton were the Insurer’s of loan, it was HFC bank that are involved in these Loan funding services and not Hamilton. Hamilton would be to contact for such claims for example: Sickness & Unemployment.

I will enclose a copy of the email received from the Customer Service Advisor “***** ***” who states that policies they administer for Hamilton Insurance are sold/arranged via HFC Bank.

Please could you refer back to the previous letter dated 07 June 2011, and as requesting now, just for confirmation of HFC’s involvement. I am aware HFC and Endeavour are part of the same company, but in July 2004 Endeavour Personal Finance did arrange for the Underwriters - as also stated to us HFC Bank would be in touch to finalise everything.
This will be of some help to us, at the time the loan was taken out in July 2004.
　
We look forward to your response for as soon as possible, please write or email us on:
or

　
　
Yours sincerely
　
　
Mr & Mrs

....................................................................................
when we contacted Direct Group, this is the response we received.....















In my opinion, what Direct Group are saying is that they deal with HFC as they are not aware of any relationship of Click to Hamilton either????

They do seem to be going from pillar to post with this one.

I have just sent an email to the CEO of the HFC dept, in regards of Endeavour, but am also as well going to email and/or write a letter to send by post to the Hamilton CEO.

Going through paperwork quite late last night, there are a jumble of dates on the underwriters paperwork, some from Click, Endeavour and HFC, the only paperwork I have of Hamilton is that of the PPI policy booklet.

Now I did come across another agreement within the SAR paperwork, could not find this first, this is the lender's copy, yet the date they signed is that of the 5th July, yet we did not go through the application until the 16th July.

So digging into this further, Click Finance issued the application on the 8th of July, they sent the form out to sign with details of the banking mandate on the 16th July.

I really don't have nothing else for the 5 July but the date was done by Endeavour as it being the lender's copy, the only one we have is that - that we signed 30 July.

The house valuation taken place on 21 July.

Posting more documents to the FOS tomorrow, time is running out, a week Thursday to get everything in.

Just a thought though as I've had to provide further evidence and failed to do so, can this be stopped going as far as the ombudsman, to what I was aware we can still have the case reviewed anyway?

marshallka wrote: »

Di, on 5th of July you said Lender copy of credit agreement? Did you get this and did it have anything about PPI? Did it show 240 months or 300 months?

Was it up to the point of HFC Customer speaks thing that ppi was not added and at this point it was added?

Hi Marshallka

We only had the copy of the lender agreeement (signed by lender only) not by us - through a SAR. Its a very poorly copy, cannot see the any of the details, its very faint indeed.

We have no evidence of the ppi being added before the HFC customer speaks.

marshallka wrote: »

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/Communication/PR/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





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.