PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Yeah I know and thought that about Hamilton too, so fingers crossed HFC will deal with it.
They should know where jurisdiction lies, they should check this out first time - surely..... .

This is why I am so mad on mine. First I listened to TIggrae and made it to Barclays trading as Firstplus, then Firstplus, then the insurers as TOLD by the manager at ombudsman and now they are saying to me their are "jurisdiction issues with my complaint"... I can't win. I send it in in May and its still not even with the right person yet. This is beyond a joke as after this I have to then wait 8 weeks (if there is anyone to complain to) for a reply..

Also I note on the actual POLICY it states that Lloyds deal with complaints and that they were under the Insurance Ombudsman service so how can there be jurisdiction issues.. :mad:

di3004

marshallka wrote: »

This is why I am so mad on mine. First I listened to TIggrae and made it to Barclays trading as Firstplus, then Firstplus, then the insurers as TOLD by the manager at ombudsman and now they are saying to me their are "jurisdiction issues with my complaint"... I can't win. I send it in in May and its still not even with the right person yet. This is beyond a joke as after this I have to then wait 8 weeks (if there is anyone to complain to) for a reply..

Also I note on the actual POLICY it states that Lloyds deal with complaints and that they were under the Insurance Ombudsman service so how can there be jurisdiction issues.. :mad:

Its just crazy and all so confusing....... , it is very much beyond a joke, and it has been 6 months on this actual case of yours, its so pathetic.
Yeah how can there be jurisdiction issues with Lloyds? That baffles me..

di3004

When receiving that letter above from the FOS about HFC last week, I emailed them to ask if we could have a copy of the letter they sent to them, they got back and said they are unable to do this as this was not what they do, but then just explained they sent my details.

I was just curious......

marshallka

di3004 wrote: »

Its just crazy and all so confusing....... , it is very much beyond a joke, and it has been 6 months on this actual case of yours, its so pathetic.
Yeah how can there be jurisdiction issues with Lloyds? That baffles me..

The jurisidciton issues that they are on about cannot be!!!

I am not bothered about the length of time so much as people wait far longer its the jurisdiciton of the complaint that is annoying me. I thought it was the FOS that told you where the complaint lies.. I have been misled on this from the beginning. I have a complaint about an unfair rebate which I sent in in May and was thrown out in July AFTER being assigned an adjudicator. Then its assigned an adjudicator again after resubmitting and then thrown back again. I am then told by a MANAGER that my complaint about unfair rebate actually lies with the insurer and they would write to them on my behalf. I then get told that they have written to Firstplus about who the insurer was and then again receive an email saying that my complaint has jurisidciton issues. Yet,,,, on the bottom of the insurance policy that Firstplus sent to me in the SAR it actually states

any enquiry of complaint that you have should be addressed, in the first instance, to the claims manager of the scheme administrators at the address above. Should you not be satisfied with the reponse you may ask the complaints and advisory department at Lloyds to review your case. If you still remain dissatisfied you may then contact the Insurance Ombudsman. The scheme administrators will provide the address, Your rights in law.

marshallka

di3004 wrote: »

When receiving that letter above from the FOS about HFC last week, I emailed them to ask if we could have a copy of the letter they sent to them, they got back and said they are unable to do this as this was not what they do, but then just explained they sent my details.

I was just curious......

Surely you should receive a copy as you do not know if the FOS are actually complaining on your behalf about WHAT YOU are complaining about. They do make mistakes and we all know that from the experience of people on this board. I have found a mistake in my Co-op letter of yesterday and in fact all three letters that I received from the Ombudsman had mistakes of dates. My one of yesterday stated that I took the loan out in 1999 and paid it up in 2001 and it was 2000 so that would mean losing 12 months statutory interest.. They do not read things properly sometimes..I have emailed this to the FOS as I only noticed last night after agreeing to the redress of this. I hope this gets addressed..

di3004

marshallka wrote: »

The jurisidciton issues that they are on about cannot be!!!

I am not bothered about the length of time so much as people wait far longer its the jurisdiciton of the complaint that is annoying me. I thought it was the FOS that told you where the complaint lies.. I have been misled on this from the beginning. I have a complaint about an unfair rebate which I sent in in May and was thrown out in July AFTER being assigned an adjudicator. Then its assigned an adjudicator again after resubmitting and then thrown back again. I am then told by a MANAGER that my complaint about unfair rebate actually lies with the insurer and they would write to them on my behalf. I then get told that they have written to Firstplus about who the insurer was and then again receive an email saying that my complaint has jurisidciton issues. Yet,,,, on the bottom of the insurance policy that Firstplus sent to me in the SAR it actually states

any enquiry of complaint that you have should be addressed, in the first instance, to the claims manager of the scheme administrators at the address above. Should you not be satisfied with the reponse you may ask the complaints and advisory department at Lloyds to review your case. If you still remain dissatisfied you may then contact the Insurance Ombudsman. The scheme administrators will provide the address, Your rights in law.

Did you contact anyone else about this ?
What about that guy you can email, forgot his name now but doesn't he check who the right company to complain to?
They have made a right shambles out of this one for you?

di3004

marshallka wrote: »

Surely you should receive a copy as you do not know if the FOS are actually complaining on your behalf about WHAT YOU are complaining about. They do make mistakes and we all know that from the experience of people on this board. I have found a mistake in my Co-op letter of yesterday and in fact all three letters that I received from the Ombudsman had mistakes of dates. My one of yesterday stated that I took the loan out in 1999 and paid it up in 2001 and it was 2000 so that would mean losing 12 months statutory interest.. They do not read things properly sometimes..I have emailed this to the FOS as I only noticed last night after agreeing to the redress of this. I hope this gets addressed..

Yeah I know, this was why I wanted a copy.... , even on my Nemo case on the provisional decision which I think you have also read by now, it may be have on the final decision - they made mistakes on dates, which will not help a case.

marshallka

di3004 wrote: »

Did you contact anyone else about this ?
What about that guy you can email, forgot his name now but doesn't he check who the right company to complain to?
They have made a right shambles out of this one for you?

Di, it was a manager (FROM THE OMBUDSMAN) that told me that this complaint came under compulsory jurisdiction and it was not until ealier last week that I had this email from the lady adjudicator that threw the complaint out some weeks ago after taking it on saying that there was jurisdiction issues but that she could not comment further. I feel like my blood is boiling on this one.. I know I have won some of the co-op ones but like i have said numerous times this complaint is the one I want to win more than anything... I want justice with them... :mad: :mad: :mad:

Seems to me like Firstplus are holding the reins again and have told FOS its not within jurisdcition...

di3004

marshallka wrote: »

Di, it was a manager that told me that this complaint came under compulsory jurisdiction and it was not until ealier last week that I had this email from the lady adjudicator that threw the complaint out some weeks ago after taking it on saying that there was jurisdiction issues but that she could not comment further. I feel like my blood is boiling on this one.. I know I have won some of the co-op ones but like i have said numerous times this complaint is the one I want to win more than anything... I want justice with them... :mad: :mad: :mad:

I do hope they settle this for you, I would feel the same as you, at least mine is being dealt with, so I should not complain really, but its you I feel for, its very distressing for you, wish they would just get on with it, okay you don't mind waiting but if you know they resolved the jurisdiction issues that's half the battle.

di3004

The top email is the reply - where she added HFC on the one part she should have wrote Hamilton, yet I did not receive a copy of that one either.

Dear Mr & Mrs

Thank you for your email.

I should explain that the complaint has been redirected to HFC Bank. It is not our policy to send you copies of letters that we send to the firm. However the complaint summary on your complaint form is exactly the same summary that was sent to HFC Bank.

I trust this answers your query.

Regards


Consumer Consultant
Financial Ombudsman Service

From:
Sent: 13 November 2008 15:50
To:
Subject:

Good afternoon Angela

Complaint about HFC bank Limited

Ref:

Thank you for your letter dated 12 November 2008

Thank you for advising us that it is that of HFC Bank ltd and not those of Hamilton Insurance that this complaint has to be dealt with regarding the unfair rebate.

We were wondering if it were possible if you can do this is email us a copy of the letter/details you sent to HFC so we can keep for our records, thank you.

Please could you let me know, thanks again and we apologise for any inconvenience caused.

Kindest Regards