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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Hennie v Sainsbury's Credit Card


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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?

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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  • 3 weeks later...

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

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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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 :D

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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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.

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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.

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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

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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got my statements today, all good and quick service

just to let people know.

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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  • 1 month later...

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

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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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!

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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