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Sainsbury's Bank - A farce


rosierose
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I remember when I had a similar problem with the Halifax, I made a point of telling them about the 8 or 9 times they were calling a day. On that instance, one of the call centre guys said, "It's an automated dialler - if you don't answer, then it's programmed to just keep trying you throughout the day".

 

In order words, even on those occasions where you run like a banshee to answer the phone, and it cuts out after 2 rings, they do not record that as a call despite the disturbance and interruption to your homelife!

 

The sooner he law cracks down on this the better - if some perv in a phonebox was calling you and hanging up after a few rings, the Police would treat it very seriously. This sort of stuff from the banks is no less disturbing.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I hope you can get some success. Do keep records of all the phone calls. There are other links on this site for phone recording which I have thought of investing in. I hope TS can act. I had the automated dialler experience too. I have also made a complaint to the FSO concerning Sainsburys repeated breaches of the consumer credit act in refusing to supply any statements whilst a payment plan was in place, being months out of time supplying a copy of the agreement and their harassment tactics conducted through three separate organisations , Blair, Oliver and Scott - their own debt collectors, Wescot and Legal and Trade whilst the debt was and still is in dispute. They are completely disorganised and I found myself dealing with calls and correspondence from four different addresses

 

Nothing is too bad for Sainsburys Bank

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  • 3 weeks later...
  • 3 weeks later...
Quick update.... Both Trading Standards and us have neard nothing from S's. This lack of response has swayed TS into (finally) preparing a prosecution under the Administration of Justice Act and possibly the CCA. TS will be in touch with us shortly to get witness statements. :eek:

 

It seems the element of intent within the wording of the Communications Act has precluded it from being used.

 

Rosie, has there been any further progress on this? I've been chasing Sainsburys for a copy of the CCA for a wee while now, with the 12 days having passed, and gradually getting closer to the calendar month default stage :D

 

Meanwhile I'm getting a letter every week from their Collections team politely telling me to pay them £24.83 or else they'll take further action.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Rosie, has there been any further progress on this? I've been chasing Sainsburys for a copy of the CCA for a wee while now, with the 12 days having passed, and gradually getting closer to the calendar month default stage :D

 

Meanwhile I'm getting a letter every week from their Collections team politely telling me to pay them £24.83 or else they'll take further action.

 

Hi

Creditor ignoring the law write them back and tell them they are acting unlawfully in pursueing a debt that is, a) in dispute contrary to the administration of justice act section 40 and b) in default due to section 77 (4) of the cca 1974.

Then report them to the T/A or OFT,then go to;

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-357.html#post876512

 

And give me the details so we can add them to the list for the official complaint about he OFT.

PS don't forget to get a case number.

 

Well you don't get anything if you don't ask

 

Best regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-357.html#post876512

 

And give me the details so we can add them to the list for the official complaint about he OFT.

PS don't forget to get a case number.

 

Well you don't get anything if you don't ask

 

Best regards

Peter

 

 

Would you also want copies of their threatening letters as well to include in the complaint?

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HI

No not at this stage the intention is to make the DTI aware of the problem and then see where it goes.

 

What i wiyuld like is a list of people who have complained to the OFT to nill effect they are supposed to investigate and enforce the law.

 

Many thanks

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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HI

No not at this stage the intention is to make the DTI aware of the problem and then see where it goes.

 

What i wiyuld like is a list of people who have complained to the OFT to nill effect they are supposed to investigate and enforce the law.

 

Many thanks

Peter

 

Right will get mine wrote up and PM you the details against the Halifax. been 11 months since i asked for the CCA request.

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Hi Rosie,

 

I am in a very similar position to you I asked for a copy of my original agreement on 10 February 2007, received a copy of a Classic Visa Card request form on 30 April 2007 to which I wrote back saying that it does not include the prescribed terms and that I require the reverse of the form, as it states on the card request form that the conditions were overleaf.

 

They have now replied on the 30 May 2007 saying there is no reverse of the form and that the conditions were in a leaflet I had with the card request form???

 

They are driving me nuts!!!! I have also had numerous (read hundreds of calls from them, I have have now activated BT's refuse number service and barred their number from my phone) after they ignored my requests, both by phone and post to stop phoning me.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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I'm having to take action against Sainsburys too for non-comliance with a CCA request made back in April. Oddly they are unable to answer my recorded delivery request for that, yet they are more than happy to quote legislation at me when chasing me for money (despite them now committing a criminal act!)

 

Speaking to Trading Standards about them (as well as the Royal Bank and the Halifax about similar breaches over CCA requests!) on Wednesday.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Good old Sainsbury's have done it again!

 

We received a Default Notice in the post this morning... "pursuant to s87(1) of the consumer credit act" It does gall me that these people quote the law while ignoring those section which they have no intention of complying. It was dated 11.06 and demanding payment by 12.06, which I see as being nothing more than a scare tactic.

 

Rosie

 

:lol: thay can't even comply with the s87 they have to give you 14 days now to respond to the default notice. what a set of w****** they are

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As with the two other organisations I have already contacted Trading Standards about, Sainsburys are now added to that list. I've forwarded all the paperwork to him and he is meeting with their Legal Services guys next week. Coincidentally, I received a letter from the Collections Dept at Sainsburys yesterday saying, "you owe us money.....................bla bla bla" so that's also being forwarded to my TSO.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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