Thread: PPI: Halifax & Sainsbury's

I am looking at claiming back PPI I have paid in the past on credit cards from Halifax and Sainsbury's, but need to send SAR(s) to find out information needed to see if I have a claim and how much I actually paid. As they are both part of HBOS can I send one SAR for both acounts or do I send them separately and pay twice?

I also paid PPI on a House of Fraser storecard which was originally under GE Money. This year that changed to Santander and then due to me having financial problems this has now been passed on to a DCA. Who do I send the SAR to?

I haven't got copies of the Consumer Credit Agreements. In the SAR template it asks for 'full copies of all contracts' so would that be the CCA's, or have I got to request these separately?

I noticed that both have the same address as Card Services at Pitreavie Business Park, Dunfermline which is why asked if I could do just one payment of £10, but I'll send individual SAR's to each, at least they can't say my request has been lost between departments!

Ok, typing out CCA requests to all creditors but need clarification regarding whether or not I send them to the original creditor or the DCA. A company called iQor Recovery Services Ltd have sent me letter stating that Next Directory have passed my debt to them with instructions to recover the outstanding balance in full. Does this mean the debt still belongs to Next and therefore I should send the CCA to them and not iQor?

Thanks djgordyp but the DCA iQor are acting for Next and I don't think I need a SAR for them, I'm sending a CCA request letter and just wanted to know if it was to be sent to them as they have been instructed by Next to collect.

My Halifax and Sainsbury's cards have so far not been passed on, one reason being Halifax helped themselves to my arrears from my bank account when I got paid!! By the way I have sent SAR's to both.

I've done SAR's to Halifax and Sainsbury's as I don't have statements from when I was paying PPI, but should I do prelim letters to ask for refund of charges as I know how much these are, they're only from May this year - I've previously reclaimed from Sainsbury's.