Hi i am really struggling and hope that someone here can assist me ! I originally took out a secured loan with Endeavour finance in 2007 for £20k and have been paying it back since it was then sold onto Moorgate/Sancopia with no written information provided to me , and from looking at the land registry sancopia registered a charge on the property in 2013, despite years of payments my balance is just increasing and not decreasing . i have previously made a SAR to moorgate and they have sent me a photocopy if my agreements with endeavour. My question is this how can i deal with this debt i am no longer working as i am a carer for my mum who has dementia this debt is taking over my life and its never reducing! should i ask for a copy of my original agreement or can anyone help me deal with debt in a better way? any help would be appreciated

Hi all, New member here; can't believe it's taken me this long to deal with this! back in 2003 my wife and I took out a secured loan through Freedom Finance; the loan (and ASU cover) were provided by Endeavour Personal Finance and all payments were directly made to them. We settled the loan in full in January 2008 - despite having paid five years' worth of repayments, thanks to the PPI being added and crippling interest applied, the settlement amount was still more than the original loan value! It was only fairly recently that we discovered that ASU cover and PPI were one and the same thing, so we decided to make a claim. After extensive enquiries we uncovered that EPF had been purchased by Sterling Credit Limited, and we obtained a full statement of our account from the latter to help with our claim. Unfortunately, Sterling Credit now seems to have gone into liquidation. Can anyone advise how we are best to proceed with a claim now? Some forums seem to have EPF / Sterling Credit as part of HFC Bank, but I don't know how accurate this is. Many thanks.

I wonder if anyone can advise me of a contact number or help regarding a loan taken out pre regulation via Central Trust CT capital with Endeavour personal finance who are now HSBC HSBC blame Central trust as the broker - Central trust say they were not regulated pre 2005 so told me to look at the underwriter who were Hamilton Insurance. I believe they are now Aviva Insurance. I have telephoned many Aviva numbers today - they all tell me that they have never heard of a PPI claim with them as the underwriters?? Am I going mad? I really have no idea who to contact at Aviva

Hi, I am currently trying to sort out the details of a PPI Claim involving Endeavour/Ocean/Ocwen for my nanna and grandad. They took out a loan with Endeavour Personal Finance Ltd. on 01/09/1997 for £6000 plus £720 PPI, total £6720, for 60 months, monthly payment £159.45. Ocean Finance were the brokers and they were told that in order for them to get the loan they would need to take out PPI. As they were in desperate need of the loan they had no choice but to take it out with the PPI. In January 1999 they took out a second loan with Ocwen Limited, Ocean Finance were the brokers again. Again same story, they had to take out the PPI in order to get the loan. So the loan was £10000, plus an extra £1000 PPI, total £11000 over 60 months, at £253.11 monthly repayments. They used part of the second loan to pay off the first loan. So the loan of £11000 from Ocwen Limited was disbursed as follows: Derbyshire Building Society = £163 - buildings insurance Ocwen Financial Services Ltd. = £1000 - assume this is the PPI company/underwriters? Endeavour Personal Finance Ltd. = £5808.68 - first loan settlement balance My nanna and grandad got the rest = £4028.32 I have the original letter from Endeavour with the settlement figure calculation Balance of loan principal outstanding £5472.56 Notional interest to end of agreement £1651.54 Total repayable before deducting rebate £7124.10 LESS rebate £5808.68 I have all the paperwork including credit agreements, both loans had the PPI box ticked already single premium for both. They were both regulated by the consumer credit act 1974. I have most of the statements as well I wrote to Endeavour and Ocwen quite a few months ago to ask for the original application form to try to establish if ocean finance added the PPI on or if it was added onto the credit agreement from endeavour and ocwen. And also I wanted to know the name of the underwriter of the insurance. I never got a reply from endeavour, that is possibly because I sent it to the wrong address I'm not sure. But GE Money (new name for Ocwen) replied and they had this to say. Unfortunately as the account was redeemed more than six years ago, we no longer hold the files. However, there was a payment protection policy taken out on this account for £1000. We do not hold any other details. My questions are: 1) Who do I contact re PPI refund, as Ocean Finance are no longer trading. 2) What information do I send to them with the claim, do I send the original paperwork copies? I know that the FOS have no jurisdiction as it was from such a long time ago and I believe they were not regulated by them at the time. Is there any point in filling out the FOS questionnaire if they cannot do anything about it? Any help is appreciated, I have seen other peoples responses from these companies and it doesn't look good, so any advice on how to approach this would be great. Thanks, Abbi

Anyone have an up to date address for Endeavour. Thanks.

Hi, I had a loan though Ocean , financed by Endeavour in/around 2002. I paid this off early in 2003. I don't have any paperwork and I don't have the account number. I have completed the form to send to Endeavour but I am wandering from reading all these threads if this is going to get me anywhere. Not sure how I can go about locating my account number or whether indeed Endeavour will reply and I should write to HFC or HSBC instead. Any advice before I start please would be much appreciated. Thanks JJ Hi, I had a loan though Ocean Finance, financed by Endeavour in/around 2002. I paid this off early in 2003. I don't have any paperwork and I don't have the account number. I have completed the form to send to Endeavour but I am wandering from reading all these threads if this is going to get me anywhere. Not sure how I can go about locating my account number or whether indeed Endeavour will reply and I should write to HFC or HSBC instead. Any advice before I start please would be much appreciated. Thanks

I too have received a letter last week from EPF stating that my secure loan with them has been sold and due to the way I have been treat over the last 8 years by EPF I am terrified to find out what this new company will be like. I genuinely believe I was mis-sold this loan (second mortgage) for example I was sold the loan over the phone in the back of my friends car; documentation arrived completed with only yellow post-it notes attached indicating where I had to sign. PPI was added without my knowledge. The APR I believed was set at 9.52% for the length of the loan, however this escalated to over 11% during 2008. Since January 2005 I have paid every month (although sometimes a little late) and yet the total that I borrowed £25,000 is still owed? I was not working full time when I took the loan, I was a single parent and the repayment period will not end until after I retire. I feel there is no way out of this nightmare, if my payment has been late even by 1 day EPF have rang me at work, left threatening messages on my answer machine and sent me endless letters (4 per week). Since taken the loan I have been unemployed on several occasions, I have rang the company in advance (often in tears) in the hope they would allow me to reduce my payments until I gain employment but the company has been very unhelpful and immediately have threatened with reprocessing my property. Since taken this unregulated mortgage it has had a massive impact on my health, as I really do not feel there is anyway out of this situation. I would be grateful for any advise received.

I have just been contacted by EPF which is Endeavor Personal Finance to say that my secured loan is being purchased by Sancopia Portfolios No 1 SARL (Sancopia) and this will be administered on their behalf by Moorgate Loan Servicing LTD They are saying this is legal to do this. I only have 9 payments left to clear this loan. Has anyone else experienced this transfer? Worried that they are going to try and flank me!

I took out a secured loan in 2003 for £25k that had ppi attached. I had other policies etc. to cover my mortgage and 2nd charge in the event of redundance, death & critical illness etc. so do believe I will claim it back. I called Endeavour Personal Finance who told me that yes it did have ppi attached but I had gone via a broker called CT Finance. I called them and they said that since the loan was taken out prior to 2006 1. The insurance was brokered prior to the regulation of general insurance by the Financial Services Authority. 2. Central Capital Limited (the broker) was not a member of the General Insurance Standards Council (GISC). 3. Central Capital Limited (the broker) was not a member of the Association of British Insurers (ABI). 4. The sale took place moer than six years ago. They are saying this is their final response with the usual garb and leaflet for the FOS. Can I still claim?

Hi, Hopefully someone can help me on this one. I also had a secured loan through Endeavour purchased through Ocean. However Endeavour are telling me that i purchased it through 'Paul Newey, trading under Ocean Finance & mortgage Ltd' Endeavor say: ' At no time was Paul Newey an agent of EPF Ltd nor was Paul Newey an appointed Representative of EPF ltd.' So endeavour are saying that because of this they have no liability in this matter for any actions 'allegedly taken or not taken by paul newey' I wrote to Mr Newey and basically he seems to have done some sort of legal deal with the current ocean finance so that he is personal;ly not liable. Irrespective of this Endeavour accepted me for the loan, the loan is with them (or was) and they took the payments (and a contract was signed with them)...does S56 apply? The loan was paid off in 2005 I have the letter confirming this but I dont have the original loan agreement. Many thanks

Hi All Have a secured loan with endeavour personal finance and its got PPI. we dont ever remember taking it out on the loan and at the time were in a major financial crisis so know we would have been aiming to get the lowest repayment per month possible. Called endeavour yesterday to ask about it to be told they never sold it to us a broker did called central capital. I have never heard freom them and dont have any documentation from them either. They only way I seen we had PPI is because we have just had a PPI statement from Endeavour. So I have written to Central capital requesting my credit agreement and also the T&C's and explaining that I didnt even know who they were. What do I do next? Thanks

I have secured loan with EPF and i have just lost my job. There are only about 5 more payments to make, but it is going to be a struggle to pay them.I know that i will have to talk to them about it. My problem is what would be the best way to approach it?

Round 2 of PPI reclaim. This time it will not be so easy, having read threads on CAG, before posting this. However, I hope I can pick up on some of the issues others had difficulty with, and hopefully, give others who have had PPI policies with these companies a helping hand. Fortunately, I have a lot of information to go on, as a result of SAR requests related to past bank charge reclaims. Story so far: Central Trust PLC arranged a joint secured loan during December 2000. They arranged this loan with Endeavour Personal Finance Ltd, an HSBC company, based iat Beneficial House, Easthampstead Rd, Bracknell, RG12 1NS. Loan Details Advance, £14,000 PPI single payment policy £3640 Total £17,640 APR 12.9% I had pursued Endeavour regarding the mis-selling of PPI and they said that Central Capital Ltd are responsible for the PPI sale and any reclaim, which I kind of accept. I have the Credit agreement- an actual original- which is a first for me. I have a record of all transactions on the account and the account no which is settled in full and never defaulted- no issues there. The account settled during mid 2003. The following letter has today been drafted and sent to Central Capital Ltd, based on my letter in another PPI thread, kennythecelt V Bank of Scotland Credit Care Bronze: Central Capital Ltd xxxxxx 2010 The Complaints Department Melton House 65-67 Clarendon Rd Watford Herts WD17 1BL Dear Sir/Madam, Mr and Mrs kennythecelt Present Address for correspondence: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Previous Address of Account: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Your group of companies ie Central Trust PLC and Debtbuster Loans, acted as a credit broker for ourselves and arranged a secured loan with Endeavour Personal Finance. The loan and account details are as follows: Loan amount: £14,000 Single sum payment protection insurance policy: £3,640, Total loan amount: £17,640 APR: 12.9% Repayment period: 120 months Advance date: xxxxxxx Settlement date: xxxxxxxx Account No: xxxxxxxxxxxxxxxxxxxxxxxxx A copy of the credit agreement with Endeavour Personal Finance is attached for your information. I also attach a copy of the historical transactions on the account with Endeavour Personal Finance, for your information, which I have received from them. I believe I have been mis-sold a payment protection insurance policy (PPI), by you and I would like to request a full refund of my premiums, plus interest that I paid on that sum ie 12.9% plus compensatory interest at 8%. This loan has since been repaid in full by me, before the due settlement date. I have been in contact with Endeavour Personal Finance regarding the mis-selling of PPI and they have referred me to you. I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation upon me as I did not need this insurance and I did not want it. Please note that the reason you arranged this loan on our behalf was to consolidate our finances. This means that you would be aware that I had financial difficulties at the time and could therefore not afford the luxury of a worthless Payment Protection Insurance policy paid up front with interest at 12.9% added for the privilege. The policy was mis-sold to me because: • It was sold as a condition of the loan being made available to me. • I had pre existing medical conditions which would have meant that I would not have been able to make a claim for those conditions. In effect, the policy was useless to me. • I did not see the policy in advance of signing the agreement to make myself aware of its terms and conditions, as you did not make me aware of them. In fact, I don't recollect ever seeing a full policy document and have no idea who you arranged this policy with- perhaps you can supply a copy of the terms and conditions of the policy document. • The policy was a lump sum prepaid policy and I had to pay you interest for that policy for the period of the loan. This was not explained to me. I was also not given the cheaper option of a monthly PPI policy, which would not have accrued interest over the duration of the policy and which would have been easier to cancel. It is not easy to cancel a prepaid policy as it is paid up front. The FSA has recommended the end of single payment PPI policies due to the number of instances of mis-selling. • The monthly payments to Endeavour Personal Finance would have been considerably less and more manageable to me, if I was not sold the policy and related interest and instead sold a monthly policy. • I was not asked by you if I had other insurances/ policies or financial measures in place which could provide me with cover if I needed it or the means to repay the loan amount. • I was not offered a choice of market placed products, but directed to a policy which you provided me with. Presumably, you had a business interest for doing so and I would like to know what this was please. • You did not take steps to ensure that the policy was in my/ our best interests. You did not make a comparison of products for my individual circumstances. • You did not inform me that you would make commission from the sale of the policy to me or what the commission was. Can you please tell me commission you received. • At the time of entering into the agreement with you, I was employed by xxxxxxxxxx Council as was my wife. You were aware of these facts as you sought references to process the loan and PPI. As we were employed in Local Authorities, in the event that we had an illness during the period of the loan and PPI policy, both my wife and I would have been provided with sickness pay for a 12 month period (6 months at full pay) which was better than the policy you provided me with. We also had superannuation scheme membership. • At the time of the policy being sold to me, we were at no risk of redundancy as we were employed in local government. The only type of redundancy would have been voluntary and the terms of voluntary redundancy would have been very favourable and enough to repay the loan. Consequently the PPI policy you sold me as a condition of the loan was worthless. • I believe that you have recently reviewed your policy on sales of PPI due to recommendations from the FSA due to complaints about circumstances such as mine. • These policies were recommended to clients such as me by your sales staff who were on commission as part of their salary and conditions of service and I was not made aware of this by you or the salesperson, who I assumed to be a member of staff not motivated by sales but with my best interest at heart, as a consumer. I now respectfully ask that you investigate the selling of the policy to me and make arrangements for full repayment of the policy amount and all interest on the policy (at fixed rate of 12.9%) that I have paid to you until the loan was settled. In addition to that sum, I require interest at 8% on the combined sum above, from the date of the loan agreement and PPI until you settle this claim with me. If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman Service and I am prepared to seek legal redress, for which I would claim costs and time in full. I appreciate that you will claim a lack of available data, but, I have supplied these to you, to help you make your enquiries. I expect this issue to be resolved within 14 days please. Yours sincerely Mr and Mrs kennythecelt