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?

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

hi Hennie, hold out for the full amount. you can accept it as part payment but reserve the right to proceed with your claim for the rest. DO NOT SIGN ANY OF THEIR LETTERS WITHOUT ASKING ON THIS FORUM FIRST! BE STRONG ITS YOUR MONEY

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.

Hi,

I phoned Sainsburys last week asking were to send my Data Protection letter to, the chap I spoke to knew all about it and said they would send out 6 years worth of statements free of charge, however they were about to start charging in August.

So anybody who is planning to contact Sainsburys do it now.

I think these are probably ready for the onslaught, but i also think they have not been to bad for me in the years. Thats not an excuse and I am still chasing MY money, no matter how little it is.

Stef

got my statements today, all good and quick service

just to let people know.

Just a quick update:

After declining their offer of half, Sainsbury's have now paid up in FULL with £5 interest after sending my LBA Didn't even ask them for any interest (bonus!)

Good luck to everyone else taking on Sainsbury's Bank

Latest development:

Got home tonight to find letter from Sainsbury's.

Basically along the lines of.......my card is about to expire, and having reviewed my account, they have decided that they will NOT be reissuing another card!

Looks like Sainsbury's are taking their bat and ball home. The fact that I've only claimed £100 from the 5 years I've been with them, just goes to show that I've kept my account in reasonable order, with just the odd few oversights. I've never been over my credit limit & always try to pay a bit more than the minimum payment. If I had £3,000 I'd pay the lot off and tell them to stuff it!