Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


cups

Sainsburys Bank Visa Card - think l have paid them in full - almost

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1399 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

Just a quick query to see what people think.

 

In 2004 l had a Sainsburys Bank visa debt that was at about £6400. In April that year l asked for a repayment plan as l was in difficulty.

 

It took them until Sept to sort it out and by then the account was showing at £8,300.

 

So in 5 months they had added over £1900 to the account.

 

Looking back l can see that l probably owe them about £7,100 in terms of interest and charges.

 

To date l have paid the. £6,950.

 

I have written to them stating the above, and putting in the rationale behind my reasoning. I have offered two further payments to take it up to what l think l owe. I await a response.

 

I just wondered what people thought, l just want rid of it, would l be justified in stopping payments after these last two payments.

 

Cups

Share this post


Link to post
Share on other sites

Hi,

 

Does anyone have any thoughts on this one ?

 

Cups

Share this post


Link to post
Share on other sites

Claim back the charges. You won't get the money but it will reduce the debt. Don't be surprised if they get a bit miffed and close the account though


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Hi,

The account has been closed for years, l have just been blindly paying them for 11 years. I am giving them what they are entitled to, just think the extra £1300 is a p **** take.

Thanks,

Cups

Share this post


Link to post
Share on other sites

Have you ever sent a CCA request?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Hi,

No l don't think l ever did do that, but as it is paid will it do any good?.

Cups

Share this post


Link to post
Share on other sites

Def send a cca request , for bargaining if they argue


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

Hi,

 

Good point, will do that,

 

Thanks,

 

Cups

Share this post


Link to post
Share on other sites

Hi

 

You are right to point out the charges (but not the interest) as being reclaimable.

 

I suggest you start down this path now.

 

As well as the CCA mentioned above (As before 2007 if they do not have the original its harder to enforce but a letter acknowledging the debt may work against you) you will want to do a FULL SUBJECT ACCESS REQUEST, please feel free to adabt one of our templates form the CAG librabry

 

This should give you access to the data of what was charged and when (But may be limited ot the last 6 years data)

 

Once you have that you can prepare a claim of those charges plus INTEREST IN RESTITUTION maybe 26.9 -29.9 % APR on those charges.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?423796-SabreSheep-Vs-Natwest-Moorcroft is a good thread of many to have a read of


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Share this post


Link to post
Share on other sites

Thanks, sent off a CCA, l have added up the interest for the months they mucked me about and the late payment charges, albeit at the inflated charge but that still means l have given them £700 over those few months but they want £ 1900 so l do not feel bad, in effect l owe them about another £140 and then l am all paid up.

 

I am conscience free on this matter, l have never missed a payment and jumped through hoops, l am going to make those two payments and then stop paying.

 

Thanks for all the advice, will update once l have a response,

 

Cups

Share this post


Link to post
Share on other sites

Hi,

 

Had a letter the other day, after all this time they are still looking into my complaint, no mention or acknowledgement of CCA request, will make my last payment in January and then tell them to prove the rest of it because they have had more than enough from me.

 

Pity they cannot be reasonable.

 

Cups

Share this post


Link to post
Share on other sites

Easy answer. STOP PAYING.

 

You are being a cash cow. They might be morally entitled to the cash, but until they can produce the paperwork, they arent legally entitled to a penny.

 

Also, are sainsburys still collecting, or is it a DCA? because its very strange that sainsburys would agree to a repayment plan for this long and not sell it on.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Have they been reporting on your credit record?

 

Do you have a good credit record?

 

Are you worried about your CR being trashed if you stop paying?

 

Did you send the SAR that you was advised to do? Did you send the CCA request? Did you enclose the correct fee?

Share this post


Link to post
Share on other sites

Hi,

Nowt on credit report, CCA not responded to as yet.

I have all the corniest and l know that the extra £1300 is fees and charges, l have worked out what l owed and the interest from those months and in Jan l will have paid it all. I am not going to pay all the charges which have never been accounted for or statemented, so l am not getting away with anything, l have almost paid what l owe.

Cups

Share this post


Link to post
Share on other sites

I mean l have all the correspondence 😀

Share this post


Link to post
Share on other sites

If they havent supplied the CCA then why are you paying anything?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Yes l know but l am paying them in full for the sake of one more payment, it is done, but yes l should have told them to go away ages ago, Thanks

Share this post


Link to post
Share on other sites

But who are you paying

Sainsburys or an outside dca?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Sainsburys bank, not a DCA.

Share this post


Link to post
Share on other sites

Still no response, they are looking into it!!

I am giving them their last payment this month, then they can whistle!!

Cups

Share this post


Link to post
Share on other sites

Did you ever get a response from Sainsbury's??? I'm having a few issues with an old Visa card from 2006 at the moment 😡

Share this post


Link to post
Share on other sites

2006? When did you last make a payment or acknowledge the debt?

Start a new thread

Share this post


Link to post
Share on other sites
2006? When did you last make a payment or acknowledge the debt?

Start a new thread

 

I have a thread going, stumbled across this thread and wondered if cups had had any response to his request. I've sent a SAR that I'm still waiting for a response

Share this post


Link to post
Share on other sites

Hi,

Never had any response to my complaint or request, think they have looked at it as too difficult.

Either way l have paid them in full and cancelled my payments to them, and they haven't made any contact. I am calling it a draw and putting it away.

Cups

Share this post


Link to post
Share on other sites

Just to update, Sainsburys did come back and said l still owed them , the matter is now with FOS, since it went to the FOS they have offloaded it three times, latest is Wescot who are trying it on, but l have told them to get lost 😜

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...