Jump to content


  • Tweets

  • Posts

    • There is no sample letter for this kind of thing. All the very circumstances are generally speaking so dissimilar – that you need to make your own letter. I have no doubt that Hermes has a complaints process and that is what you need to engage with. I'm not saying that their complaints process is any good. In fact as far as I hear, it is rubbish – but you need to begin it and to make sure that you keep copies of screenshots already emails or letters so that you can show that you have raised a complaint with them and after waiting a reasonable time, say, 10 days to 14 days, you gave up or else they declined your complaint and then you decided to start taking formal action.  
    • Hi    I’ve spoke to my GP and they said they’ve been told by the government not to hand out any letters for people and I need to go onto the government website and I can get a letter of there.    I’ve searched all over the website and can’t find anything but the template for the exemption card I already have.    It makes clear on the website that you don’t need to proof any medical exemption but the police and shop keepers clearly think otherwise.    I don’t no if I’ll have an argument now since my doctor won’t even see me so I can proof my anxiety. I don’t fancy paying solicitors fees if it has to go to court. I’d struggle paying the £200 fine at the moment let alone anything else.    I’m going to ring CAB today and see if they can help in anyway. I think it’s likely I’ll end up paying but I really don’t think it’s fair as I followed the rules the government set.    If I do have to pay it is there anyway I can pay it in instalments or convince them to still give me the £100 discount? I’m not a solicitor so I’ve needed more time then two weeks to figure out were I stand.    Thanks  Andrew 
    • If i was to contact AX today and tell them a family member can loan me the money for a new car so the hire car can be collected . i could see what they say to this. Is this a good idea?
    • I am sorry i find this forum bit hard to navigate can you please provide me the link where i can see any sample complain letter, so the letter text i sent in my previous post is not a complaint letter?   Secondly i don't mind at all if you are correcting me, English is not my first language and it is much appreciated that you correcting me, i have found the correct word "tampered". Thanks  
    • Young Professional Preparing For Your Future: the free new virtual learning programme for young people aged 14 - 16 from Youth Employment UK View the full article
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Overpaid a Sainsbury's credit card debt, now can't get the money back


Please note that this topic has not had any new posts for the last 1892 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

I recently got into debt with Sainsbury's Credit Card. The debt was for £1280. I also had another credit card i needed to pay off, anyway, when i was transferring the money, I got the amount mixed up and ended up paying £2240 into my sainsbury's account via BACs.

 

I have spoken to Sainsbury's and they have now told me that the debt was moved to Westcot, who i phoned, however they said the debt hasn't come across and I need to speak to Sainsbury's recovery team, which i did after I could see the wrong amount on my online Sainsbury's account 24 hours after the payment. They said they couldn't see the payment.

 

Now the regular Customer service have refused to speak with me as the account has been passed over - although i have no idea who too.

 

Is there any suggestions people can give? I was of the understanding that regardless of it being passed over to a debt collector that I didn't need to engage with anyone other than the company the agreement was made with?

 

I'm just wondering what the best course of action (writing a letter I assume) is to close the account and get the amount that i's now in credit refunded to me.

 

Any help appreciated.

Link to post
Share on other sites

First thin is to STOP talking to Wetcloths on the phone.

 

Deal directly with Sainsbury's, this is their responsibility.

 

Ideally you need to keep things in writing, so you have a paper trail of evidence, however email will be OK, and unless you can record your phone calls, then you may as well talk to next doors cat for all the good it will do.

 

Who is your bank?

You can do a visa debit chargeback with your bank to have that money refunded, and it can be done immediately.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I had nothing but problems when i started experiencing financial difficulties with Sainsburys, clearly they are still acting in the same way. I had a similar experience where money i had paid to Sainsburys had disappeared and i was being passed from them to the people they had sold the debt too. I had to exhaust their complaints procedure (despite them deciding to close my complaint without dealing with it and without informing me) and also contacting the FSO. I eventually got it sorted and managed to get £100 compensation from them and a apology.

Link to post
Share on other sites

I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

Link to post
Share on other sites
First thin is to STOP talking to Wetcloths on the phone.

 

Deal directly with Sainsbury's, this is their responsibility.

 

Ideally you need to keep things in writing, so you have a paper trail of evidence, however email will be OK, and unless you can record your phone calls, then you may as well talk to next doors cat for all the good it will do.

 

Who is your bank?

You can do a visa debit chargeback with your bank to have that money refunded, and it can be done immediately.

I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

Link to post
Share on other sites
I had nothing but problems when i started experiencing financial difficulties with Sainsburys, clearly they are still acting in the same way. I had a similar experience where money i had paid to Sainsburys had disappeared and i was being passed from them to the people they had sold the debt too. I had to exhaust their complaints procedure (despite them deciding to close my complaint without dealing with it and without informing me) and also contacting the FSO. I eventually got it sorted and managed to get £100 compensation from them and a apology.

 

they were claiming that they couldn't even see the account, let alone deal with it. It was a phone call i didn't need.

Link to post
Share on other sites

make a official complaint, asking them where this money has vanished too, send proof that the money was paid to your sainsburys account and you want the balance to reflect this payment. Make sure you send anything recorded delivery and i would start a diary of events. Make yourself aware of their complaints procedure so that you can involve the FSO if they fail to respond. Dont make your complaint over the phone, it is too easy for them to not even log it. Everything in writing.

Link to post
Share on other sites
make a official complaint, asking them where this money has vanished too, send proof that the money was paid to your sainsbury's account and you want the balance to reflect this payment. Make sure you send anything recorded delivery and i would start a diary of events. Make yourself aware of their complaints procedure so that you can involve the FSO if they fail to respond. Don't make your complaint over the phone, it is too easy for them to not even log it. Everything in writing.
:-

 

Adapt this letter and deliver to them:_

 

Dear Sir or Madam,

 

Claim under Visa Debit Card Chargeback Scheme rules: –

 

I am writing to you in connection with the Transaction by Debit Card in favour of xxxxxx on xxxx xxxxx 2015. I enclose the following documentation which provides details of the transaction:- see attached information:-

 

Using my Debit Card Number:-

 

In breach of contract it appears, since when the £xxx.xx an over payment to Credit Card has not been credited back to my account (which only shows as a debit).

 

The transaction was less than 120 days ago and accordingly, I am writing to request a refund of the above amounts under the Chargeback Scheme rules.

 

Having reported to a member of your staff the situation no solution was forthcoming to conclude the matter.

I look forward to your prompt response.

 

Yours faithfully,

 

xxx xxx xxxx

 

Attached:-

 

Copy of my Bank Statement showing transaction etc:-

:mad2::-x:jaw::sad:
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...