Thread: Hennie v Sainsbury's Credit Card

Not sure if this is in the right place as I've not seen any other threads for Sainsbury's, I'm assuming they're owned by the Bank of Scotland.

I sent my initial request for repayment on the 2nd June, and they have not responded, so just about to send my lba.

Has anyone had any experience of claiming charges back from Sainsbury's Bank?

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Had a letter offering me half of what I was claiming.

I've just received a Sainsbury's Bank Credit Card Bill today with the following charges on it:

Unpaid direct debit: £20
Overlimit Fee: £25
Late Fee: £25

Total: £70

I phoned them today and told them that I was aware that my direct debit had failed and that I'd phoned them as soon as I realised to make payment (the DD failed on 11 July, I rang them to make a payment of £100 on 20 July).

I managed to get one of the £25 payments refunded and then asked about getting copies of my statements sent to me, as I know I've clocked a few of these up in the past few years- probably around 7 or so in 5 years. She said that that was a ridiculous request to be making and that it would take ages to do- I'd need to be more specific! I then asked to get a Breakdown of all the charges over the years- I was then put on hold and my call was never retrieved.

I also queried the OFT's findings- she said they didn't apply to August. Presumably they're trying to make the most out of me in July!

They are, definitely a part of the Bank of Scotland, the way.

I've just started a full-time job after years of being a student and in about a month or so I'm going to pursue the Bank of Scotland for all the charges they've given me over the years. I'll keep you all posted!

Great website!

Cheers,
Andrew.

Just to say that I rang Sainsbury's Bank back to see what was happening. The woman apologised that I'd been cut-off previously and advised me that they were sending me back copies of all my statements and that I wouldn't be charged for them being sent out! I don't think they actually have fleeced me for much over the years- probably £100 or so, but I'm going to have a go anyway!
Cheers,
Andrew.