Harrassment by Sainsburys bank

[Tigs33]

I sent off my CCA letter (on 10th February 2007) to Sainsburys bank, and they have not provided the agreement.

 

In the past two weeks they have phoned every day at least twice a day. When I have answered the phone, I would however not give out my personal details (i.e. date of birth, and postcode) and the caller has always got very shirty as obviously they cannot speak to me without me confirming my details

 

I have asked them to put anything in writing, but they are obviously not interested in doing this. Today I told the lady to put it in writing as I was getting sick of the phone calls. I did mention that I had requested a copy of my agreement and that they had not provided this and I only wanted to corresspond in writing. She did tell me that they can phone me up to 4 times a day!!!!

 

Arrgghh they are driving me nuts

 

I have now made a note of the calls, time etc and briefy what was said.

[ladybird17]

try the harassment leter

Harassment by telephone - response letter

[Tigs33]

Thanks Ladybird, I have copied that letter and I will send it off to them next week, recorded delivery. It will be interesting to see if they phone me over the next week.

 

I have had two phone calls from them today and two yesterday ....

 

I also have a savings account with them and due to their actions I will be closing this.

[miss muppet]

Don't worry Tiggs, the harassment letter should work - my daughter was being hassled by Barclaycard, letter sent, letter received saying her complaint was being investigated, no further telephone calls since - sorted!

[Tigs33]

Well they phoned again so that was three times so far today. Letter will be sent to them Tuesday, also stating that I wish to close my savings account and I will no longer be shopping in their stores, which I have done now for the past 15 years!!!!

[mrswonder]

I suggest taking all the money out before you close the account. I don't know if they can touch other accounts in your name, but it's better to be safe than sorry.

[Tigs33]

Mrswonder, thanks for the advice, I had taken some money out last week so there is only about £3 left in their now, me and my husband had a standing order go into there each month, I will cancel this now and set up a standing order for premium bonds instead

 

Stuff Sainsburys I have had enough of them...

[gemspan]

Hi Tigs33

 

Sainsburys Bank is actually Bank of Scotland. Tesco is RBOS. They just trade under the name so there's no point in changing where you shop. Best to just stay clear of Bank of Scotland.

 

Kind regards

Gemspan

[Belaflat]

Sainsburys Bank is actually Bank of Scotland

 

Hmmm, I have a debt with Sainsburys but bank with the Halifax which as I understand has merged with B of S.

 

Where does that leave me.

[gemspan]

Hi Belaflat

 

Im sorry if Im being stupid but I dont understand what you mean. Do you think that they will take all your money? If thats the case then I would suggest you change your bank account. I used to work for Sainsburys Bank when I was a student and worked at BOS so I know that for sure.

 

Most of the big banks are behind the supermarket finance so its best to check things out before you change accounts.

 

Hope this helps

Annie

[Belaflat]

Hi gemspan.

A while ago when my problems first started, I had another account at the TSB.

When i got into difficulty, they wouldnt listen and when i cancelled my Direct debits and paid in smaller amounts, they ended up taking what they wanted out of my accounts anyway.

As you can imagine, this meant I couldnt pay other bills and that started the ball really rolling for the rest of my debts which rapidly spiralled out of control.

 

Since I am now techically in the same banking group, if they do something similar, I am finished completely.

Might just as well give up working and go bankrupt.

[Tigs33]

Well looks like I am off to shop at Marks and Spencers then!!!! lol

 

Well got another call today at 8.52 which actually woke me and my husband up. I am going to do the harrassment letter today

[gemspan]

Hi Belaflat

 

I dont think they would be able to do what TSB did as technically they are different parts of the bank but I suppose they could if they wanted to as they are all the same group. That's the problem these days; they are all related in some way.

 

Perhaps you could try opening a building society account!

 

Kind regards

Annie

[beancounter]

Bank of Scotland only owns 45% of Sainsbury's Bank so I doubt whether Sainsbury's could grab anything from a Halifax account.

[Tigs33]

Well cancelled my standing order into my Sainsburys savings account and I have withdrawn the balance. Harrassment letter typed and will be sent tomorrow (signed for ). Thanks for everybodies help

[Tigs33]

Well they received the letter today, got a call 2.34 today from them today but I was at work, received another call today at 6.30pm and the person hung up, also I received a statement today from them with interest and a late payment fee!!!! arrrgghhhh they are getting me VERY angry!

[Tigs33]

OMG they are doing my head in, I have had four calls from them today!!!!! once putting the phone down.

 

call 2.34 I was at work

call 6.30 pm they put the phone down when I answered

call 8.20 pm told caller I was unhappy about phone being put down on

me and referred them to my letter.

call 8.31 pm told them yet again that I was unhappy about 6.30pm call

and told them not to phone.

 

arrrgghhhhhhhhh!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[miss muppet]

Use an ansaphone Tigs or if you do answer, as someone said on here, give them the wrong date of birth, apparently they can't proceed any further with the call 0r say (I've found this always fazes them)what is your name, thank you I have recorded this call at (whatever time) you do realise that this is again the law and I shall be reporting this as a crime to the Police plus passing information on this to Trading Standards or just say hang on a minute and walk away and make a nice cup of tea, put the washing on, do some ironing or jump up and down on your mini-trampoline or punch a punchbag and then return and put the phone down, its their call and they are paying! The message should finally get through to them - I must admit I myself found Sainsburys one of the worst but I think they didn't enjoy talking to me either because I used to tell them they'd look good in court with a woman recovering from breast cancer and also of course that all their penalties were unenforcable etc etc rant rant!!!

[Tigs33]

I have tried alsorts Miss Muppet, so far I have never given them any of my personal details so they cannot go any further, they even have the cheek to ask why I won't give out my personal details, I told them they could be anybody and I didn't have to, I have even had one caller insist that I go into a Sainsburys Bank, I told him that if I didn't want to that I didn't have to and that he couldn't force me to. Lately I have told them to just take me to court as I really want a judge to hear what they have said on the phone to me and also how many times they have called me, let alone the fact that they haven't supplied a copy of the agreement, she told me that they didn't want to take me to court, I said well I WANT YOU TO!!! that threw her a bit!! lol

 

I think I will now however pick up the phone and keep them waiting for a bit, did that to another one and finally they got the message I just refuse to not answer my phone because of them. Hopefully in the next couple of days my letter will filter through to them

[beancounter]

Tigs33 - Remember that Sainsbury's supermarket tagline ? "Try something new today" - do just that. Report the b's to all the statutory authorities going. Think of all the negative publicity for their brand if the matter did go to Court.

[rosierose]

Hi Tigs

 

Sainsburys Bank is a 50/50 undertaking between HBOS and Sainsbury's plc. They use the same call centres here and possibly overseas. The "collections" call centre (which may or may not be the same as one that deals with their other business) deals with BOS, Halifax, Sainsbury's Bank and AA finance. I am still trying to track down where the o'seas calls we recieved over xmas orginated from.

 

I am just amazed that this, the same call centre which recently made the news with that harassment case, continues unabated with its out-and-out flouting of the law.

 

One word... Maplins

 

Kind Regards

 

Rosie

[Tigs33]

lol @ maplins....

 

I now have BT refuse on my phone and their number is now barred....the hubby was getting rather fed up of them and we decided this was the best course of action.

 

I am now going to deal with their non compliance of my CCA request....watch this space. THIS one I will be taking to court of necessary

[Guest ArthurP]

I've had an awful few months with these muppets.

 

In one 12 hour period over two days I had 9 calls to my mobile & landline from Sainsbury's Bank.

 

They even said that every call costs £10 which is added to my account.

 

They have now passed it on to JJ Collections who are just as bad.

 

I just put the phone aside now so that they speak into thin air.

 

Idiots.

[miss muppet]

Well done Tigs & Arthur, the first part of my CCA request to Sainsburys has gone now just counting the 30 days down, tick tock, wondering when my phone calls will re-start!

[comino51]

Hi can anyone give me some advice please. I had a repayment arrangement with Sainsburys Credit Card brought about by losing my job. I filled out an expenditure form and made an offer of payment each month which they accepted and stopped interest. I paid this religiously on time for 12 months and then I suddenly found interest being added to my account again. After many letters they told me that it was a policy brought in that they would only accept payments for one year then it would go back to normal. I told them that I could not pay this interest and all that has happened is that they keep phoning me sometimes up to 8 times a day. After nearly 6 months of wrangling the interest piling on my card has put it over the agreed limit and they are know charging me £12 overlimit every month also. At my wits end I wrote another letter, and they said that they would hold all calls for 3 months but would not stop interest and would probably then refer my account to a debt collection agency. I am convinced that this is a strategy to make my balance so high I will never repay it. It started at £8,000 and it is know £10,450. Is there anything that I can do.