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Help/Advice with Reply from Santander.

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Hi guys, 

I have recently received a letter from Santander which I believe is a standard response 

i.e your complaint against SCUKL will be assessed under general legal principles (including time-bar)

where as the FCA's dispute resolution "DISP" rules apply to your complaint against the insurer.


Moreover, it goes on to say "for your complaint against the Insurer (but not your complaint against SCUKL), you can choose to go to: The Financial Ombudsman Service. 


My questions are

1) Why can't I go to the FOS to complain against SCUKL/Satander Cards UK Limited?


2) If Santander rejects my complaint, then will I have to say to the FOS; something along the lines of "My complaint is against AXA France IARD & AXA France VIE, but Santander ARE ACTING ON THEIR BEHALF"?


3) Can I get a SAR from AXA France IARD & AXA France VIE in relation to the PPI on my Currys/Dixons account? (Santander have already said there was ppi on my Currys/Dixons account.


Moreover, I have already sent a SAR to Currys/Dixons Carphone

but they are saying they don't have any info on this account,

and I'm still awaiting SAR info from Santander.

Therefore, Which company should I send the SAR to in order to get info on my account/PPI info? 


Thanks for reading and I hope someone can help.

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please scan up the letter to one multipage PDF 

read upload





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