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About FelixFelix

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  1. This is the back story, please scroll down for the question on the chargeback, thank you. In october I purchased with my Mastercard a new apple ipad air 4 from apple. At the same time I bought an apple pencil from amazon. Unfortunately within a few weeks of use I realised the apple pencil was defective and had damaged my new ipad (its a known issue with users but apple don't formally acknowledge it which is typical for them) I spoke to apple on an online chat, sent images and they agreed online to replace both products.
  2. We have a neighbour who often orders things online, they are then delivered when they are out at work and usually the delivery drivers knock on my door. I feel sorry for the delivery drivers because I know they have a tough job so usually take the parcels in. They then have me sign little computer screen and leave a card for my neighbour and either they come to collect it or I will drop it round to them. However I have just been told that by signing for the delivery I could be leaving myself open to legal action if the item in the parcel turns out to be damaged or defective as when I sign I am
  3. In about 2003 I bought a digital camera from a high street electrical shop on hire purchase. The finance was provided by a company called Halifax Cetelem. I think they are gone now but that their affairs are looked after by Barclays Partner Finance. I wrote to Barclays Partner Finance about PPI on this old HP loan but they have written back saying they can't local an account in my name. I am not sure where to go with this now. Did any other company's take over old Halifax Cetelem accounts? I did read online that some people have been successful in claiming from barclays
  4. Last week I posted out a SAR (with previous addresses) to Halifax and I gave them an account / reference number which I believe was part of a hire purchase agreement dating from 2003. Today I have received a letter from their archive team saying they cannot find anything in my name and asking for additional information. I called them to find out more details and they repeated the same information that essentially they have nothing on me at all. I have already used the Halifax PPI checker and received text messages with a reference code for my PPI complaint. I have had problems
  5. Thanks for getting back to me dx100uk. I saw the stickie but it had quite a few different addresses so wasn't sure which one. In the end I called barclaycard direct and they told me to send it to: DSAR (Barclaycard) 51 Saffron Rd Leicester LE18 4US I am also sending a SAR to EGG regarding other loans I had, I will amend the letter to reqest any other information regarding my old credit card with them, even though they now say barclays has it and barclays seem to be dealing with my complaint. Thanks again.
  6. I want to send a SAR to barclays about an old egg card I had which they now own. The address I have is: Barclaycard Customer Relations Dept PO Box 9131 51 Saffron Rd Leicester LE18 9DE Is this the correct address to send the SAR? Many thanks!
  7. Thank you both for your replies. I will take on board what you both have said and amend my SAR letters before posting them so that they are not limited in terms of time. I don't have accounts numbers for all the banks as some of these accounts are old but will just put all accounts where this is the case. Yes I think I am probably giving the banks too much credit or benefit of the doubt when I know they will most likely do what they can to refuse my claim. I do feel that the banks ruthlessly exploited me as a young person to such a degree I got in a terrible mess financially at
  8. I am in the process of preparing and sending out SAR's to 5 different banks who I believe miss sold me PPI. In some of the banks the complaints process is underway already but I just wanted the information they had to see for myself and to use if my complaint has to go to the FOS. I have pretty much just used the template as is putting in my and the banks details and any account referance information I had or just "all accounts" and the dates I believe to be relevent i.e. 2000 - 2018 as I had no credit before that date. I also put in my previous address and my DOB. Other than that I ha
  9. I am currently checking all my old accounts for PPI. After receiving advice on here I intend to send SAR's to all the banks I had credit cards and loans with. Currently the SAR request template is unavailable here while we wait for the requests to become free on the 25th of this month. I am trying to prepare myself for mailing these requests out but I have a couple of questions. 1. I had two storecards Debenhams & dorothy Perkins which seem to be owned by Santander do I have to request information about both these accounts on seperate letters or can I just submit a single SAR to
  10. Do you mean that I should fill out the FOS Questionaire and send it directly to the bank in question rather than use their own forms etc?
  11. Ok I will see if they get back to me regarding PPI checker results in the next week or so and then send a SAR to them all after the 25th and I can see the new process. Once I have all the information I will see if I can find a letter template for complaining on here and go ahead with my complaint in writing.
  12. Thanks for your reply. I have only used this forum to check if PPI was on the account: https://www.halifax.co.uk/contactus/how-to-complain/ppi-info/ppi-check-form/ I also used a similer form for my old Egg CC and Loan on the citibank (canada sq) site. https://www.citibank.co.uk/personal/ppicheckerform-egg.do Have I damaged my chances by using these online forms? I only wanted to check the status of the PPI not officially start my PPI complaint yet. I see that SARs should be free after the 25th of May so will send them out then. I will take a look at the FOS Questionnaire, it act
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