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Endeavour Personal Finance PPI Reclaim

Jonesy04
Posts: 2 Newbie
I can see on some old threads that many have had experience in claiming back PPI from Endeavour Personal Finance. I had a secured loan from EPF in 2003/4 and wrote to HSBC to claim back the PPI which was automatically added. However, HSBC have written back to me to say that I approached a broker (Norton Insurance Services) and it is through them that should claim back PPI.
Firstly, I did not approach a broker; I only dealt with EPF and all paperwork relates to an agreement with them. Secondly, Norton Insurance Services no longer exist and because the loan was pre-2005 I cannot approach the FCSC for redress.
I am inclined to write back to HSBC stating that I believe it was EPF who mis-sold the PPI as they added the insurance and I was not advised or given the option appropriately. As such I believe that HSBC should be liable for the claim. I can see, based on previous posts that the best I can expect is a 'good will gesture' but wondered if there was any particular wording or information I should include to help me successfully challenge HSBC's current position?
Firstly, I did not approach a broker; I only dealt with EPF and all paperwork relates to an agreement with them. Secondly, Norton Insurance Services no longer exist and because the loan was pre-2005 I cannot approach the FCSC for redress.
I am inclined to write back to HSBC stating that I believe it was EPF who mis-sold the PPI as they added the insurance and I was not advised or given the option appropriately. As such I believe that HSBC should be liable for the claim. I can see, based on previous posts that the best I can expect is a 'good will gesture' but wondered if there was any particular wording or information I should include to help me successfully challenge HSBC's current position?
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Comments
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I can see on some old threads that many have had experience in claiming back PPI from Endeavour Personal Finance. I had a secured loan from EPF in 2003/4 and wrote to HSBC to claim back the PPI which was automatically added. However, HSBC have written back to me to say that I approached a broker (Norton Insurance Services) and it is through them that should claim back PPI.
HSBC response is correct.Firstly, I did not approach a broker; I only dealt with EPF and all paperwork relates to an agreement with them.
Many of these secured loan companies immediately passed you over to one of their brokerage companies. Often a line transfer without you having to ring anyone else. Most of the time you wouldnt realise you were using a broker.Secondly, Norton Insurance Services no longer exist and because the loan was pre-2005 I cannot approach the FCSC for redress.I am inclined to write back to HSBC stating that I believe it was EPF who mis-sold the PPI as they added the insurance and I was not advised or given the option appropriately. As such I believe that HSBC should be liable for the claim. I can see, based on previous posts that the best I can expect is a 'good will gesture' but wondered if there was any particular wording or information I should include to help me successfully challenge HSBC's current position?
HSBC's position is correct. So, there is nothing to challenge.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Thanks for the advice - it's much appreciated.0
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