PPI Reclaiming Discussion part 4

marshallka

Portofino wrote: »

OK, this info came on the back of my SAR request so they appear not to have the info I need. I will give it a go!

Good luck. Sorry did not realise you already had the SAR.

asmiffy9

Hi,
A big thanks to the both of you, I will take on board what you have said and have a go at claiming. Even if I don't get a result I am going to cancel the policy, as I have just managed to dig it out from that safe place that I always put things in, until I need them and read everything through from being to end and found that under the carer cover, they will not pay carer cover to my husband, if my sickness or condition existed prior to the start date. The salesperson knew that it would be my condition at the time, if it got worse, would be the reason why my husband would have to become my carer, fortunately for me , it has got that bad yet and hopefully it won't.
Anyway will keep you informed


Cheers Ann

di3004

asmiffy9 wrote: »

Hi,
A big thanks to the both of you, I will take on board what you have said and have a go at claiming. Even if I don't get a result I am going to cancel the policy, as I have just managed to dig it out from that safe place that I always put things in, until I need them and read everything through from being to end and found that under the carer cover, they will not pay carer cover to my husband, if my sickness or condition existed prior to the start date. The salesperson knew that it would be my condition at the time, if it got worse, would be the reason why my husband would have to become my carer, fortunately for me , it has got that bad yet and hopefully it won't.
Anyway will keep you informed


Cheers Ann

Good one Ann.....:T:T keeping everything crossed for you, hope all goes your way, and keep at them, we are here to help anytime.;)

marshallka

asmiffy9 wrote: »

Hi,
A big thanks to the both of you, I will take on board what you have said and have a go at claiming. Even if I don't get a result I am going to cancel the policy, as I have just managed to dig it out from that safe place that I always put things in, until I need them and read everything through from being to end and found that under the carer cover, they will not pay carer cover to my husband, if my sickness or condition existed prior to the start date. The salesperson knew that it would be my condition at the time, if it got worse, would be the reason why my husband would have to become my carer, fortunately for me , it has got that bad yet and hopefully it won't.
Anyway will keep you informed


Cheers Ann

Good luck with it. Perhaps this fact sheet may help with your complaint

http://www.fsa.gov.uk/pubs/other/factsheet_sales.pdf

di3004

Been checking all my documents and emails in relation to Click/Endeavour and HFC etc, here is an old one here as well from HFC, they confirm it was endeavour then remember Endeavour saying no........


Dear Mr & Mrs xxxxx

Account ref:


3 December 2008

Thank you for your email to Mr J S dated 01 December 2008.
I write to advise that for the purpose of absolute clarity, it was Endeavour Personal Finance(EPF) who issued your rebate in regard to the settlement figure and not HFC Bank.
In addition, I can confirm that we have not received any correspondence from the Financial Ombudsman Service.

Yours sincerely

Department Manager
Central Complaints Consumer Finance.

di3004

I should have thought when I wrote to them though, I should have said about the mis selling too and not the rebate, yet that would have been said to have been Click then though.....

di3004

Also this from the FOS


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.

di3004

This was an earlier email sent from the FOS to that one above.


Dear Mr & Mrs XXXXX

YOUR COMPLAINT ABOUT ENDEAVOUR PERSONAL FINANCE (INSURANCE UNDERWRITTEN BY HAMILTON COMPANY LIMITED)

Thank you for sending us your completed complaint form.

I enclose a leaflet which explains how we can help to resolve complaints.
As you will see before we can look into a complaint you must have given the business concerned a chance to put things right.

I have looked at the credit agreement that you have supplied. It would appear that the insurance provided by Hamilton Insurance Company and generally the insurer that is responsible for the rebate.

I have therefore sent Hamilton 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 Hamilton's address is:
Sirs
Hamilton Insurance Company Limited
NUI Customer Relations Manager
PO BOX 78
Surrey Street
Norwich
NR1 3NU

On receipt of Hamiltons final response, if you feel 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 supporting documentation.

I return any papers you may have sent us as they may help when you are dealing with Hamilton.

Yours sincerely.
..................................................

pinknico

So everyone was blaming each other Di? What was the very last email you got and from who?

marshallka

di3004 wrote: »

I should have thought when I wrote to them though, I should have said about the mis selling too and not the rebate, yet that would have been said to have been Click then though.....

FOS will send a complaint for you. They did for me although i never got a copy only a response from LLoyds of London asking for another 4 weeks. This is something new about trying to get the insurers responsible for the misselling or insurance. I was also told yesterday that these are when the brokers are no regulated at the time of the sale. (Like Click were not were they in 2004 - I know they dissolved but I do think this thing with FOS is for unregulated brokers??) I don't know how it works TBH Di but I would just ask the FOS to look for you. Should you have perhaps made the complaint against the people that took over dissolving CLick perhaps for the misselling? You will have to ask FOS on that one???? Really do not know all the ins and outs of the rules for these insurer complaints but was told yesterday when I queried mine that there were about 200 odd complaints whereby the broker was not regulated and FOS is trying to make the insurer's responsible for misselling as well as rebate complaints.