PPI Reclaiming discussion Part III

di3004

martiUK wrote: »

hi di , i just let you know i have the same problem with hfc just blame each other know as presivoius posts my is know with fso but has been there for about 10 months although know at adjuctcator.let me know if you have any luck quickly

Hi hun and thanks.
It seems that mine has been from one to another, I was going to write to HFC bank all along but was advised different by the FOS, went round a few of linked companies to Endeavour, and now its finally came to the HFC, wish I had done this in the first place now........:rolleyes: , never mind at least this way the FOS sent the details to them for me.:D

Will let you know hunni and please keep me posted on yours too hun, glad yours is being sorted out too.:j , good luck.

Di

di3004

sarah7610 wrote: »

Hi, Over the last few weeks I have been writing to various lenders regarding misold PPI. (Black Horse, MBNA, Loans.co.uk and Retail Finance).
I have recieved a reply from Black Horse today which says:

When you discussed the loan application and Payment Protection Insurance with a member of our staff, you would have been provided with a leaflet summarising the key benefits and exclusions of the cover. That leaflet also confirmed cover was optional.

Only after you were given the opportunity to read the summary leaflet was the agreement document produced for signature.

The agreement document signed clearly shows that Payment Protection Insurance was purchased when entering into this agreement and shows the full cost of that policy. By signing this agreement, you confirmed that you had read, understood and accepted the terms and conditions of our agreement and wished to purchase Payment Protection as specified.

Futhermore, following our acceptance of the agreement, the full policy terms and conditions were automatically sent to you at your home address. As well as confirming the policy eligibility and exclusions, those terms also stated that if you were not entirely satisfied with the level of cover being provided, it could be cancelled in full and without cost by writing to us within 30 days of the date of the agreement. Having checked our records, no such request has been received.

In the absence of any documentary evidence in support of your claim, I regret to advise that we are unable to uphold your claim that the Payment Protection Policy was mis-sold. As the agreement with us is now settled and you have had the benefit of cover for the period of the agreement, no refund of the sums paid for Payment Protection Insurance will be made.

So, is that it or are they just trying to blind me with words and scare me off?

I don't ever remember reading the policy eligibility and exclusions but there's no way I could prove that as it was 5 years ago. I definately know I wasn't asked about my medical history because if I had been then I doubt they would have covered me anyway due to having cancer in 1993. Anyone who has suffered a life threatening illness will know it's almost impossible to get insurance.

I'm not sure where I stand now, can anyone help or should I just give up?

Thanks

Sarah

Hi Sarah
As our Maxdp says check out on here:

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance, get a letter in where you will find a template on the above added link. Use your own words as much as possible with your own reasons.

They have 8 weeks to respond, when you hear let us know and we will lead you to the next step, in case another letter has to be sent or a complaint to the financial ombudsman service, we will see what response you have first though, not to confuse matters and hope it will be a good one.;)

Post by recorded post, and good luck.:D

Di

marshallka

di3004 wrote: »

Received a letter from the FOS this time the Hamilton has been moved on to someone else - HFC !

Dear Mr & Mrs

12 November 2008

Your complaint about HFC Bank Limited

I refer to my letter of 04 November 2008 in which I advised you that the complaint would be registered against Hamilton Insurance Company.

I have received a response from Hamilton Insurance who is now part of Norwich Union.
The firm have advised me that the insurance rebate is a matter for the HFC Bank to address as it falls solely within their remit.

I have therefore sent HFC your details of your complaint and have asked them to deal with the matter.
They should issue a final response in writing within 8 weeks of the date they hear from us.

For your information the HFC banks Address is:

Mr Siggers
HFC Bank Limited
120 Edmund Street
Birmingham
West Midlands
B3 2QZ

On receipt of HFC Bank's final response, if you feel that they have not put things right, or alternatively you have not heard from them after 8 weeks, please return the complaint form together with any other supporting documentation.

Yours sincerely
Consumer Consultant.
...........................................................................................................................

No letter was sent to me though from Hamilton.

Di, it was the FOS who determined that it was Hamilton to send this type of complaint to here. Surely they know where the complaint lies.. are they going to be dictated to by these people. Its making me lose what bit of faith I have in the FOS now..

marshallka

maxdp wrote: »

Don't know Marshallka. Suppose they are checking for arthritis and wondering whether it may be Lupus. Suppose they will not say until they check. I know sometimes they can only diagnose by elimination.

Hopefully it will be managed successfully.

Do not worry re my PPI Marshallka it can wait for now.;)

maxdp, emailing you a min... .

di3004

marshallka wrote: »

Di, it was the FOS who determined that it was Hamilton to send this type of complaint to here. Surely they know where the complaint lies.. are they going to be dictated to by these people. Its making me lose what bit of faith I have in the FOS now..

Yep exactly, this is what concerns me and I was also thinking of you with yours......

di3004

Marshallka I was wondering about this again regarding who supposed to be dealing with the complaint in our situation, shall I try contacting the FSA or not?
Do you think they will have anything to say about this, and I know HFC were covered in 2001.

di3004

I am tempted now to email the person who sent me the letter from the FOS to request for a copy of what letter they sent to HFC, for my records, to make sure nothing is missed, what do you think?

And shouldn't Hamilton have also wrote to me to advise me of this ?

marshallka

di3004 wrote: »

Yep exactly, this is what concerns me and I was also thinking of you with yours......

I got told by FOS to leave it up to them and not get in touch with anyone but before I got told that I had tried to dig myself and was told by Cassidy Davis to write to them in the first instance and they pass the complaint onto Lloyds and ultimately it is back over to Firstplus to deal with. This is what they told me and not the FOS although I have informed the FOS of this. I then go the email from the FOS to say that I should leave it up to them and they will do the writing for me. I just hope its not 8 weeks here and 8 weeks there. I hope if it is like this then at least the complaints are being handed back and forth straight away and not taking 8 weeks in between. Yours at least has not so hopefully mine (once it even gets started!!!) may be the same with the FOS writing to them and not me. :eek:

maxdp

Di

You seem to be running in circles with this one:eek: Hope you soon get it sorted. Another 8 weeks to wait though, my god.:mad:

maxdp

P.M you Marshallka