Hi. Thanks for the information - much appreciated. Before I start compiling my letter, would you be able to give me the following guidance please: 1. Should I being putting this new information back to the FOS or to HSBC? FOS were looking for an unbroken chain of responsibility of all 3 parties involved. Do you think the information you gave me would suffice in demonstrating a chain between Hamilton/Aviva and EPF? Or are you aware of any link between Hamilton/Aviva, EPF & CT Trust? I have looked previously and cannot find any link between all 3. 2. With reference to a previous comment (25 Apr) where you asked who ticked the PPI box on the agreement box - To me it looks like a definite discrepancy between application & agreement - would you agree? (application showing Single Cover with Life selected, but this box is not the box that is ticked on agreement. Box ticked - single life, accident/sickness & unemployment). I feel that in all my correspondence to all parties, that if this is a discrepancy, it has never been picked up. Sorry for asking for further guidance on the above, but having had so many knock back letters over the years, I just want to get a strong letter out to them covering points that have not previously been addressed. Also, are you aware of anyone in the same situation as myself that have had payouts? Thanks again.

Good morning. Just wondering if you’ve managed to look at info I sent beginning of last week. thanks

Hi, I've attached, application, agreement, welcome letter, t&cs for ppi, loan statement & closing statement. Noticed on the loan statement, it shows borrowed amount & ppi No, but has been added to loan. If you need anything else, let me know. Thanks SKM_C224e20042714140.pdf

Hi the boxes, I assume, must have been ticked by Endeavour. In 2003 I applied through Debtbuster loans who are also known as Central Capital, Central Trust & independent finance corporation. I have got mountains of paperwork to all parties I have pursued - Central Trust, EPF, HSBC, Hamilton, Aviva and also been to the FOS. Do you want me to upload all my correspondences to all parties?

Hi, I've attached my application and agreement. On application it shows that single cover with life has been selected, however on agreement the box ticked includes life, accident, sickness & unemployment. Does this look like a discrepancy? Also, has anyone had a chance to look at my response from Aviva above? SKM_C224e20042317040.pdf

Good afternoon. Did anybody get a chance to review my response from Aviva?

Hi I sent your response off and got the following reply (attached). Where do I go from here? Thanks aviva reply.pdf

Evening. Not heard back from you & just wondering if you saw my post from Monday?

Attached, Aviva's reply. aviva.pdf

OK. They mention PPI in the first paragraph though? I didn’t include the next paragraph which is “This stance falls in line with the FCA’s most recent statement which set out their view on the impact of the Plevin - paragon finance ltd case & how firms should handle complaints relating to the amount of commission the lender received.” So are they addressing both PPI & plevin? Last paragraph would suggest that it’s plevin but first looks like PPI?

So, after several months, got response back from Aviva. "We confirm that Aviva is not responsible for investigating sale of PPI. This is because policy was arranged & sold by EPF. They were therefore acting as your agent in this matter; there was no agency agreement between Aviva & this firm so Aviva cannot accept responsibility for any advice that they might have given. HSBC are responsible for investigating these complaints, so I have sent them your details and have asked them to contact you. Although Hamiton Life, now part of the Aviva group, were the underwriter of the policy in question , we were not responsible for the sale, or any associated lending. As such, you should direct any enquiry regarding undisclosed commissions to the lender who provided the finance that the PPI was protecting to progress this element of the complaint". So where do I go from here? I contacted HSBC again before deadline, got response back from them saying they were not responsible either.

Sorry. I submitted a new ppi complaint form to Hamilton Insurance - it was when FOS got involved, their subject heading was Aviva Insurance (trading as Hamilton Insurance company ltd). I'll do that today - do I need to put my points down for mis-selling?

Hi Gone through the mountains of paperwork I have on this. I complained to Hamilton Insurance by letter and attached completed PPI questionnaire on 25.09.12. Response back from Endeavour 10.10.12 syaing to contact Central Capital re mis-selling. Sent another letter to Hamilton on 22 Feb, with reference to my earlier letter - another response back from EPF 06.03.13 saying to contact Central Capital. 22.03.13 - As no satisfactory response I then sent my complaint to FOS. Final response from FOS on 09.10.13 saying they could not take my complaint further. So where do I go from here? Do I complaint to HSBC again about the single premium being added against my knowledge? On agreement there are options for monthly/single premium. If i'd known there was a monthly option I would have gone for it. Surely HSBC have a duty of care to their customers and should not have being using unregulated brokers at the time?

I have a thank you letter from Independent Finance and summarising loan amount, term & insurance, which is all on unregulated credit agreement by EPF. This is the reply from FOS "Overall, based on the evidence I have seen, it is my view that: We cannot look at the complaint against the seller Central Capital as it was not covered by us, or any of the previous schemes that we took over from, for the sale of ppi We cannot look at the complaint against the lender (EPF) as the seller was not acting as its agent and in any event it was not covered by us, or any of the previous schemes that we took over from, for the sale of the PPI. We cannot look at the complaint against the insurer as we have been unable to establish an unbroken chain of responsibility between the 3 parties involved". However, tonight I have discovered something. On the application it shows total value of loan and only mentions type of insurance chosen - no value. On the agreement, however it has the value of the loan, single premium of PPi and then the total of both. What I have not noticed before is that in the agreement there is a tick box for single premium and also monthly premium! I was certainly not made aware of this option and looks as it EPF have added the single premium to the loan without my permission. I was not made aware of the single premium paid up front until the agreement came through.

Hi, pursued Hamilton thru Aviva and to FOS. Should I go back to FOS then?

Will double check their letter but looking for a link to broker which I can’t find anything.

Hi, took a loan out with central trust in Dec 2003, who were not regulated at the time. Insurer was Hamilton, lender was Endeavour Personal Finance. I’ve being pursuing this debt for 10 years to all of the parties involved, as definite mis-selling but just not regulated at point of sale. FOS couldn’t go any further unless there was an unbroken chain between all 3 parties, which I cannot find. As deadline approaches, I would like to try one last time. Has anyone got any ideas or different avenues to go down or am I just doomed?