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I wonder if you could answer this question for me Please.....
I took out a loan with HFC in Nov 2001 with PPI The insurance company used was Hamilton Life Assurance. Now in march 2005 I became ill and was off work..I put in my claim and everything went through fine and they have been paying the loan ever since till now that is !! Every month I was getting a letter off Hamilton's saying the loan had been paid... then in July this year I had my usual monthly letter only this time it was from Norwich Union saying it had been paid which I thought strange..Then in August instead of getting my normal monthly letter I got a letter again from Norwich Union, but this time saying they were reviewing my claim.
In September A chap came out to see me and it felt more like an interrogation then a review, anyway when he was finished 2 1/2 hours later on his way out he said I would here from the Insurance people within 5 days regarding my claim..7 days later they sent me a letter saying Your file has now been passed on to our "Technical Department" for a full review... We will contact you again within 21 working days once the review has been completed..the letter was dated 17th September and I've not heard a word from them since...The insurance as not been paid as I have just received a letter off of the bank regarding payments...Is there a time limit on these things ? Do they have to make there mind up within a certain time frame ? Is there any guide lines they are breaking by not completing on time ? In April 07 I was told by the hospital to take medical retirement has I would not be able to work again because the illness I had as left me disabled...
Everything was fine with Hamilton's they were paying without any problems but then Norwich Union seemed to take over... why I don't have a clue? so I can only assume Hamilton's was taken over at some point by Norwich Union and didn't notify it's customers out of common courtesy..
Hope somebody can clarify this for me. Thanks in advance.
I wonder if you could answer this question for me Please.....
I took out a loan with HFC in Nov 2001 with PPI The insurance company used was Hamilton Life Assurance. I will do a little research into these and get back to you. Now in march 2005 I became ill and was off work..I put in my claim and everything went through fine and they have been paying the loan ever since till now that is !! Every month I was getting a letter off Hamilton's saying the loan had been paid... then in July this year I had my usual monthly letter only this time it was from Norwich Union I would send NU a letter asking why things have changed and if they have taken over hamilton why were you not informed of the change and the changes to the policy that was covering you payments. (Make it Loud and Strong) saying it had been paid which I thought strange..Then in August instead of getting my normal monthly letter I got a letter again from Norwich Union, but this time saying they were reviewing my claim.
In September A chap came out to see me and it felt more like an interrogation then a review, anyway when he was finished 2 1/2 hours later on his way out he said I would here from the Insurance people within 5 days regarding my claim..7 days later they sent me a letter saying Your file has now been passed on to our "Technical Department" for a full review... We will contact you again within 21 working days once the review has been completed..the letter was dated 17th September and I've not heard a word from them since...The insurance as not been paid as I have just received a letter off of the bank regarding payments..This is most definately a case for the OFT and the FSA I believe NU could allegedly be breaking the law by not fulfilling the terms of the original CCA and terms and conditions that were applied to it. I do not believe they can simply take over and change what is a legal agreement..Is there a time limit on these things ? Do they have to make there mind up within a certain time frame ? Is there any guide lines they are breaking by not completing on time ? In April 07 I was told by the hospital to take medical retirement has I would not be able to work again because the illness I had as left me disabled...
Everything was fine with Hamilton's they were paying without any problems but then Norwich Union seemed to take over... why I don't have a clue? so I can only assume Hamilton's was taken over at some point by Norwich Union and didn't notify it's customers out of common courtesy.. You should have been notified of the change and as you were not you should make a complaint to the OFT and the FSA. ( and the rest of the statutory bodies in this universe) sing out worldwide as it makes for bad publicity for them if they want to screw around and mess you about it is only fair that you can do the same back within the terms of the Law of our Land.
Hope somebody can clarify this for me. Thanks in advance.
Without seeing the terms and conditions of your Loan agreement I can only guess that your policy was only valid for X years and not for the full life of the loan. However as stated in blue above you will see my comments on your situation you will probably require better legal guidance than I can give but at least this gets you started.
Good luck I will watch and help if I can
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
this is from the FSA register on Hamilton Life Assurance.
139618 - Hamilton Life Assurance Company Limited
AuthorisedEffective Date:01/12/2001Tied Agent:Undertakes Insurance Mediation:YRegistered under Money Laundering Regulations:Address:2 Rougier Street
York
North Yorkshire
YO90 1UU
Phone:
Fax:
Email:
Website:
44 01904 628 982
44 01603 688 261
Notices:UK authorised firms who have a deposit-taking permission
when you open the link type in the name of the company ie Norwich Union, and search through all of their departments the red names on the left of the results are links to more information on that particular element of the search.
There could be a lot of results so take your time to make sure you have the correct department.
Good luck
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thx for the reply...If you could tell me how to go about uploading a file to here.. I can scan you the original contract which I still have from day 1...
Thx again.
this is the link. You will have to register and follow the rules I have only just used this to upload documents. You will have to scan them to file use Photobucket to delete all the personal info names addresses account numbers sort codes etc.
Good luck and remember to make sure all personal details are well deleted as some posts have still been readable below any blanking out.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
well the link works but only back to photobucket I can see the pages you scanned but did you know you can copy the url of the pages and make a direct link to the relevant page? you may have to ask for more info on those more used to photobucket for advice.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
If you double right click on the page it does come up full size.
Your in good hands Badger with AA on PPI details, I'll watch and butt in if I need
Lex
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Thank God for that Badger, thought it was them mushrooms I ate for a moment
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I to am reading you photobucket post. I have one question having looked at pages 1 to 3. Have you been in arrears of your payments on your loan? specifically over 3 months? Or are there any other reasons you can think of that would exclude you from claiming?
I will attempt to print off your posts if I can do that and read more closely but failing that you will need to read through your terms and let us know if there is any reason NU would stop paying your premiums.
I see there is a figure of 5 years for accident etc mentioned on page 1 so IMHO that is the reason they have stopped payment . This is quite usual for PPI you pay a stack of money for cover but the cover only lasts for 5 years even if the loan is 7 years so you are not covered for 2 years and yet you are still paying interest on the PPI for the full term of the loan.
Time to start a claim for mis-sold PPI I would suggest the first port of call is a phone call to the Financial Ombudsman Service to seek their advice. Even though you have made a claim the fact the PPI did not cover you for the full term of the loan may be enough for them to take up your case,
Full details in the above link telephone numbers addresses etc
I would phone and explain and let them decide to take your case or not. If it is a NOT then Court action is still open to you
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Sorry to jump in here fellas, but I think my 2p worth may be of use.
From what I can see - in Nov 2001 you took a loan out over 7 years. The PPI policy also appears to have a term of 7 years as indicated on the last page of the policy.
Nov 2008 marks the end of that 7 years. At this point the policy would end. Whilst I dont think that this is related to the Norwish Union thing it is worth bearing in mind that the claim was being paid after 5 years had passed, so I'm afraid that I cannot agree with AA's advice about the cover only lasting for 5 years and I doubt you would get very far with a complaint in that direction.
I would also not even think about court action in this case - let's assume you won.....putting you back in the position you were before you took out the policy would also require a return of all the claim payments you have had in the last 3 years.
It looks as though the policy has been assigned to Norwich Union as part of a wholesale transfer of business (they wouldn't just take your policy in isolation). Whilst Hamilton were obviously satisfied enough to be making the payments it would seem NR weren't, which is why they sent their fella out. What you need to be finding out is what impression this guy went away with after his visit to you.
To summarise - I dont think complaining about the policy itself is the way to go - it served its purpose and paid the loan for 3 years. What you need to find out (and the possibly complain about) is on what grounds NR used to decide to cease payments. If they wont tell you outright then I would suggest that you send them an S.A.R. and take it from there.
Final thought - as the loan was originally due to finish in Oct/Nov 2008 do you actually know what the outstanding balance is?
Hamilton are the insurance company arm of HFC, and before HSBC took over the whole business was owned (as was HFC) by the American Household International. They were/are based in Bracknell, Berkshire. Quite why Norwich Union is now involved is anyone's guess.
I would also not even think about court action in this case - let's assume you won.....putting you back in the position you were before you took out the policy would also require a return of all the claim payments you have had in the last 3 years.
I cannot agree with the above statement from RR. I will therefore pose this question.
Please let me know how you can be so certain of this statement?
Do you have legal precedent that this statement would in fact be accurate, and that this would in fact happen?
PPI is a new issue and no one yet has fully ascertained all the necessary information to give a fully comprehensive and satisfactory assessment of all the relevant argument into the widespread mis-selling issue.
A lot of unsuspecting consumers have been taken in big time so whatever your case it is surely worth a shout to try and reclaim.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Courts tend to be guided by what the customer signs for, unless there are compelling arguments to suggest other foul play.
Where courts will find in a customers favour is if they could plainly have had no benefit from the policy because they did not qualify for the benefits of said policy.
I doubt that anyone has yet been brave/dumb (delete as applicable) enough to stand up in court and say they were missold a policy that has been paying out under a claim for the last 3 years. In the (unlikely imho) event of the court finding in favour of the claimant then it would be reasonable for the claimant to be put back in the position they were in before the policy inception, which would include the claim payments being offset against the premiums. You can't have one without the other.
My post was out of the genuine concern of the OP spending money on litigating in what I would consider to be an inherently flawed case. I retain my original view that the correct course of action should be against Norwich Union.
Just my opinion - probably completely wrong - you guys are the experts after all.
Hi Every1
Sorry for late reply was unable to get to a pc...Update is good news...I contacted NU today and apparently aviva if that is spelt right..Brought out Hamilton so that's why NU are now in charge of it...They are now going to carry on paying...They said there was a letter that should have been sent out to me and they could not understand why it hadn't...They now want me to send in another sick note for them to send of this months payment and so on...So good news at last. Just like to thank every1 that help me with this and wish you all a Happy Christmas and a Prosprus New Year.Thx Again
Well done RR credit where credit's due the main point is badger got a good result
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Any advise welcome Please.....
The insurance company used was Hamilton Life Assurance
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Re: Any advise welcome Please.....
