Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Silly mistake or not a concern? sainbury credit card and savings account

    I'm currently working my way through old accounts and such like and closing down where applicable those I don't use but have not yet been classed as dormant.

    One of those accounts was a savings account with a well known retailer, almost 20 years I've had it, they periodically send me a statement, amount saved was under 40.

    I also had a cc with the same company, it went tits up around the same time as most other ones and it ended up in default,
    I wrote to them as I did all of my creditors, stated how it was and that I'd be making token payments and then came consumeractiongroup and I went from debtor with no hope to an alleged debtor that became empowered,

    I dealt with my alleged debts and helped others around me do the same..the cc debt mentioned here simply faded,
    I did for a time receive letters from DCAicon's re the debt but I chose to ignore them as they ignored my plight in the first place.

    In any case, the cc debt mentioned has been stat barred for some time, maybe 6 yearsicon of stat barred, I know the debt doesn't vanish, so it's out there somewhere.

    My point (ok it took awhile)
    when I was closing the aforementioned savings account down they asked me if I wanted the money paid into an account they had on file for me, the account is still live so I agreed for them to do this. (all by phone)....

    However after the call I was putting paperwork to bed and came across a letter from the original creditor (well known supermarket) where they said at the point of default that they would collect any money they could from any other accounts I may have with them (my savings account possibly?) they never did, but I chose to leave the account alone just in case they went calling on it (for the small amount in it I shouldnt have bothered)

    So, had this been picked up on when I called them to close the savings account down,
    could they have diverted the amount saved and paid it towards the now long gone account stat barre CC account?
    and if they had done that would this then have reset the stat barred account?
    and all because of me not thinking?

    I should say that they did close/pay the money into the other not related account so the transaction is done and dusted....BUT...could it have gone so terribly wrong for me if they'd paid it off the original CC?

    as far as I'm aware they never assigned the debt to any collection agency,
    I did have some bottom feeding dca's trying to collect but they were simply ignored.

    I reside in Dawlish Warren but am not a rabbit.
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  2. #2
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    Default Re: Silly mistake or not a concern?

    wish you'd name names!!

    I will guess this is RBSicon
    and the card was/is a Tesco credit card
    which at the time was financed by RBS.

    so yes they can offset.

    statute barring in E&W simply means that enforcement of any court judgement cannot be done.
    so owners of your debts don't bother.

    however the debt still exists , and if still owned by the OC, then they can offset.

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  3. #3
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    Default Re: Silly mistake or not a concern?

    … and to make it clear, the statute bar does not reset itself.



    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

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  4. #4
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    Default Re: Silly mistake or not a concern?

    if they are daft enough to pay you that money then they cant ask for it back but as said, they can use it to offset the other account without your permission if that was allowed in the original agreement.


  5. #5
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    Default Re: Silly mistake or not a concern?

    Thanks for the further clarification re the stat barred, I wasn't sure.

    Now thats cleared up, the credit card was with Sainsburys Bank, the Savings account was with Sainbsurys.

    The DCAicon that attempted to collect was Robinson Way.

    I reside in Dawlish Warren but am not a rabbit.
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  6. #6
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    Default Re: Silly mistake or not a concern?

    so as post 2 RBSicon I guessed right

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  7. #7
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    Default Re: Silly mistake or not a concern?

    Quote Originally Posted by dx100uk View Post
    so as post 2 RBSicon I guessed right
    You can have 1 point for rbs (assumuing it's them that underwrote Sainsburys Credit Card but 0 for Tesco.....

    Still 1 point from 2 isn't bad, 'every little helps' right?

    I reside in Dawlish Warren but am not a rabbit.
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  8. #8
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    Default Re: Silly mistake or not a concern?

    doh what made me put Tesco...
    meant to be Sainsbury's
    they were financed by RBSicon before they had their own bank later when the rules were relaxed.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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