Endeavour UPHELD with no redress offer

di3004

Right, an update on this, EPF/HFC are going to register this as PPI reclaim and send the details of the questionnaire in the post, so I have had to let the Adjudicator know by email, see what he says when he arrives back to work next Tuesday.;)

marshallka

Di, just to let you know I am so chuffed this is moving forward and you will win I think. I bet they do not like you doing all this investigating on them and their cronies and want you off their back.

Well done for having the courage to see it through.

I will pm you OTR soon.

marshallka

Will you now have to go through all the complaints jargon with Endeavour AGAIN!! Were they GISC members as this was 2004? How will this pan out IF it has to go to FOS now?

sunny8_2

Heck di, that letter was rather long...:cool:
You are super knowledgable & talented & can take these lot on no problem hunny :T:T....i have no doubt that you will have the last laugh for all your troubles..xx

di3004

Thank you Marshallka and Sunny

I emailed HFC today, and said that even though they upheld in relation of putting EPF responsible of the mis selling of the PPI, I told them I would like to know if this can still be registered as a Reclaim on the PPI complaint, as the letter states it's now closed.

Emails received here.

Dear Mr & Mrs

Thank you for the below e-mail.

I have forwarded your correspondence to the relevant department in order
for a complaint to be registered regarding the mis-sell of PPI on your
account.

You will receive an acknowledgement letter shortly.

Kind Regards


Team Leader of Central Complaints | HFC UK
Camden House West, Birmingham, B1 3PY, UK
_____________________________________________

Internal Phone
External Phone 0121
Email
_____________________________________________


And another here.......

Dear Mr & Mrs

The e-mail that you have sent is sufficient for us to register a complaint.
When the acknowledgement letter is issued to you, it will contain a
questionnaire for you to complete and return. Please provide all details of
your reclaim for the of mis-sell within this questionnaire.

Kind Regards


Team Leader of Central Complaints | HFC UK
Camden House West, Birmingham, B1 3PY, UK
_____________________________________________

Internal Phone
External Phone 012
Email e
_____________________________________________


I had also made them aware that the letter they sent us yesterday have been send to the Adjudicator/FOS as we have now come to the conclusion of who is responsible of the PPI.

Our Adjudicator is away until next Tuesday, but he left details of someone else, so we passed all details on to her, she said all info will be passed on and he will be in touch afterwards.
I have asked if they could keep this open just in case due to the same reasons as before, non FSA/GISC.

So basically even though they said on the letter yesterday that we are entitled to complain to the FOS and enclosed details of the FOS leaflet, this I am worried will only mean for that actual query they answered.
However, as they know now what they did was wrong, maybe they will consider just compensating as a gesture, just maybe, because what they did was truly wrong.

amersall

Way to go Di :D:D:D:D go get em girl :T:T:T:T

di3004

4

10 September 2011

HFC Bank PLC/Endeavour Personal Finance
Camden House West
Birmingham
B1 3PY
　

Dear **** ******/Complaints Investigator, or to who can deal with this matter.


Account Number- ********


Thank you for your letter dated 07 September 2011 in regards of our query dated 20 August 2011, of who sold the Payment Protection Insurance (PPI), where you have confirmed on reviewing this that this product was sold by Endeavour Personal Finance (EPF) and not that of the Broker Click Finance Ltd.
I attach this letter in regards of the above, and enclosed a questionnaire as requested for a reclaim of the Payment Protection Insurance (PPI).



As you may be aware in regards of the PPI, this case has been with the Financial Ombudsman Service (FOS) since 2009, and also even prior to this in order to make a reclaim on the PPI, but we were always referred back by you to the Broker Click Finance, where then you stated were responsible for the selling of the Payment Protection Insurance.


After some further investigation/research, and of the paperwork you forwarded to us in regards of the above loan, we were also provided with copies of the broker Application form.


You are aware that PPI was not added to the application form, and that it was included within the loan by Endeavour Personal Finance, you also apologised for previously incorrectly stating it was Click Finance Ltd.


We are deeply disturbed about the initial misleading advice, and something that we are not sure was an honest oversight. Therefore we have been reviewing our options regarding a complaint to the Financial Service Authority (FSA), and the consideration of taking further action.


However, given the fact of the case, if you could expedite and uphold our complaint for the Mis-selling of the Payment Protection Insurance, and refund in accordance with the FOS guidelines, if your prepared to do that and redress further for the Distress and Inconvenience this have caused over a number of years, we will be willing to consider the matter closed.

It has taken over 3 years (2008) since first approaching you to conclude that Endeavour Personal Finance were responsible for selling the PPI with our loan.


As this case is already within the FOS, if you could respond to me within 14 days of this letter and oblige to the above, we can contact the Ombudsman with immediate affect on this case to have this matter closed.


We note in your letter dated 07 September 2011, we can complain to the FOS if we are not happy with the outcome of that complaint of who was responsible, but will appreciate if you could still consider as a gesture of the above, despite you then not being regulated by the FSA/GISC when this loan was taken out, as your business owed a “Duty of Care to the Customer”.


Your terms and conditions also state that if used a Credit Broker, you are not responsible for his actions or advice, but the PPI policy was not sold by a Credit Broker, but was sold this by Endeavour Personal Finance the lender, so this then takes it back to the lender for its actions on the sale of this policy.


I enclose some copies of paperwork within the Reclaim Questionnaire, and hope to hear from you by 14 days with a gesture of the above to avoid further action on this account.
　
　
Yours sincerely

di3004

Excuse mu grammer folks, lol, it was rather later last night when I done this lol :D

amersall

That is ace Di xxx. Good luck.

di3004

amersall wrote: »

That is ace Di xxx. Good luck.

Thank you honey, a few little mistakes made lol, but i will correct them.:D;):beer: xxx