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diamondgirl

Sainsburys and Me

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Having a rest from Link-GE Money (everythings quiet with them at the moment, must still be up the tree eating the bananas.)

 

Anyway just received nice letter from Sainsburys saying

 

"As at todays date your account is £xxxxx over its credit limit of £xxxx and you now need to make a payment to bring the account within the agreed limit.

 

To help us assist you in resolving this matter quickly you can telephone the aove helpline number an operator will be able to take your payment by Switch or Delta Debit Card (yeh, yeh, yeh, don't be daft)

 

We felt it necessary to bring this matter to your attention as an overlimit situation can result in transactions being declined. You wil also incur charges until this situation is resolved.

 

If a payment has been mae in the last few days, please accept our apologies and disregard this letter"

 

Standard letter obviously.

In another envelope arrives the statement showing

Notice of Default Sums

Transacction Charges : Overlimit £12

Total Default Sums £12

 

Now as I've been on DMP for 12 months and they've never bothered to acknowledge this and have just kept piling on the interest (after me asking them not to five times in the last year) what is the concensus of everyone should I now go down the CCA route. I am sure that I never signed an agreement and that I would know of definate if the application form has been changed due to various thing and this application form was done in store. Or should I SAR them in the hope that they produce the agreement along with the statements etc., There has not been a default registered with this account as yet.

 

Comments would be much applicated.

 

Thanks

DG:)


I have no legal training my knowledge comes from my personal life experiences

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Yes - CCA them

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Hi Diamondgirl,

 

I am now subbing your thread, I would CCA them first but no doubt you will get a standard reply similar to mine. At least they do reply!

 

I have neglected my Sainsburys one at the moment to concentrate on my MBNA ones but I am still paying it, although now will become a struggle as less hours at work so less pay!

 

Just need to find the next appropriate letter to send.

 

D50.

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Hi Diamondgirl,

 

I am now subbing your thread, I would CCA them first but no doubt you will get a standard reply similar to mine. At least they do reply!

 

I have neglected my Sainsburys one at the moment to concentrate on my MBNA ones but I am still paying it, although now will become a struggle as less hours at work so less pay!

 

Just need to find the next appropriate letter to send.

 

D50.

 

Hi Dotty50

 

Have you sent Sainsburys an I&E and an offer that you can afford. If not it's worth a try. There is an I&E template on the forum or you could go to CCCS website and download one from there.

I'm going to CCA them at weekend I've just not got time this week do anything.

DG:)


I have no legal training my knowledge comes from my personal life experiences

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Hi diamondgirl,

 

No not sent I & E yet but probably will as it gets more difficult to pay.

 

Also have a Halifax cc and it looks like they have an enforceable agreement so will have to make F & F offer to them first I think.

 

Of course this too is BOS --- same as Sainsburys!

 

Will be interested too see if I get a favourable response.

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Hi

 

Still not had time to CCA Sainsburys yet but letter typed ready.

 

Got home from work to find two letters from them one dated 2nd July one dated 6th July.

 

1st one signed by the lovely Charlotte Senior Operations Manager stating

Despite previous reminders your account remains xxxxx in excess of your agreed credit limited (yeh yeh bxxxxy interest charges)

We would remind you that under the T&C of your agreement your balance must be remain (as typed in their letter) within the agreed limited. As you have failed to adher your card is now invalid (has been for over 12 months)

You should not attempt to use the card (not got it anymore) as your transactions will not be authorised (bully for them.)

Failure to rectify the position or contact us to discuss the situation with the next seven days will result in a DN under the T&C of the Consumer Credit Act 1974 (yeh yeh we all know about that now don't we)

To help us assist you in resolving the matter quickly telephone the above helpline an operator will be able to take your payment by Switch or Delta Debit Card. (yeh sure they will.)

 

2nd letter

Thank you for your recent letter regarding the above account. We are sorry to hear of your current financial difficulties and appreciaste that this is a difficult time for you.

We acknowledge you are currently seeking professional help and advise in order to deal with your financial situation.

I norder for us to hold your account to prevent further action we would appreciate it if you could contact us on the above telephone number and make a small token payment as a gesture of goodwill (haven't I been doing that for over 12 months?)

Please note that interest and charges will continue to be debited until we receive a financial statement and an offer of payment from a Debt Management Company or a self help pack which meets our current repayment policy (they've had one for 12 months and just ignored it.)

Signed by the same lovely Charlotte

 

 

Have you ever seen such a load of rubbish although they were rather quick after all I sent my letter on the 29th June.

 

I think they will be getting info from CCCS after I've rang them tomorrow and they will be getting a CCA request sent to them on Saturday (first day I can get to the PO).

Any comments on their lovely communication would be of interest and by the way I did put in communication only in writing so why am I likely to ring them.

 

Its very interesting at work when the lovely DCAs and CCC ring up to speak to someone about a client, they don't rant and rave at the Company so they can actually speak to people in a civil manner if they really try but I bet it hurts them so much.

DG:)

Edited by diamondgirl
added para

I have no legal training my knowledge comes from my personal life experiences

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Hi Diamondgirl,

 

Just wondered how you are doing with Sainsburys. I haven't pursued mine any further at present as concentrating on others.

 

Halifax responded to my F & F but not favourably, guessed as much.

 

Just thought I would see if you had done anything further.

 

D50 :)

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