Refund on one, not on the other....

Trace24

A few years ago I complained about ppi on my Debenhams storecard, I contacted Santander, of course they said 'NO' so I found out the underwriter was GE Capital, after a to and frow battle, GE gave me a refund. Recently I applied for a refund on my ppi on my Mothercare storecard, which was sold to me in exactly the same way as my Debenhams, word for word, I contacted Santander, yet again they said no, and then said AXA had taken over GE Capital. When I contacted AXA, they informed me that they 'didn't' sell me the ppi policy, Santander did. So now I'm confused. As Santander say it was AXA and vice versa. Where do I go from here?

-taff

Nowhere much.
They weren't regulated, Santander are obviously denying liability and AXA are correct, they didn't sell it to you.
They weren't regulated so no one has to refund anything.