Sainsburys Bank Complaints

Don't waste your money! You feed the thieves!

Worse travel insurance, probably like all... Read more

Worse travel insurance, probably like all others!
You have to know if you are taking a travel insurance and you need it, they will find a way to escape every time!
Which means you are feeding those thieves for nothing! Did you know that some travel agents have some bonuses of more than £100.000! Happy to know, I am so disgusted!
Please don't waste your money on travel insurance!
Before travelling ask the government how you can be covered, more helpful than thieves...

Reviewed on 15th January 2021

Canard

Useless non existent customer service.......

Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when... Read more

Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when faced with something off script.....quite frankly, the second my zero percent offer is up I will DEFINITELY be going else where and never intend on using their services again.....however until that time I'll be making sure I milk every single penny from the zero percent period ;) ...well it's the very least they can do for making me have to deal with such a useless company/staff

Reviewed on 15th January 2021

Deborah

Fraudulent Policy

I received a letter from Sainsbury's Car Insurance telling me that the direct debit on my car insurance had not been paid. I do not have car insurance with them. On telephoning them I was told that this used my name and address but all other... Read more

I received a letter from Sainsbury's Car Insurance telling me that the direct debit on my car insurance had not been paid. I do not have car insurance with them. On telephoning them I was told that this used my name and address but all other details were different as was the car. A week later I got another letter saying that the policy was being cancelled as I had not paid. I have telephoned and written to them several times but their attitude seems to be that the policy has now been cancelled for non-payment, that is the end of the matter and they do not care that I could be affected by this. No checks done on new policies then apparently!

Reviewed on 12th December 2020

Corinne

Purposely misleading - avoid

Sainsbury’s Bank in their online process at the checkout stage present balance transfer and money transfer in an identical way and make them appear interchangeable. There is nothing to indicate that one is on promotion of 0% and the other is 25.95% A... Read more

Sainsbury’s Bank in their online process at the checkout stage present balance transfer and money transfer in an identical way and make them appear interchangeable. There is nothing to indicate that one is on promotion of 0% and the other is 25.95% APR.

These options were introduced in this way to deliberately mislead and cause error leading to damage to the consumer and profit gain to the Bank. There is no design or other logical reason to present these in this way at the checkout stage. Despite requests the full user-journey was not shared, only a final screenshoot. Such systemic practices both harm the consumer and are anti-competitive as it gives financial gain to Saunsbury's Bank versus other Banks with ethical design practices. It is classic "Bait & switch" as described by darkpatterns.org

Statement from Jim Brown CEO Sainsbury's Bank:

"I understand Matthew has shared a screenshot with you from your application process which explains the difference between a balance transfer and a money transfer. I am satisfied our online application process has been followed correctly and sufficient information has been provided to allow you to make an informed choice."

This is totally false statement.

Untrustworthy and deceitful organisation. Avoid.

Reviewed on 20th November 2020

Tony

Awful, don't do it!

Works fine until you don't need it anymore. Turns out there is a non-use card fee every month and there is no correspondence about this at all. No email, no letter, so the fee keeps getting taken out with you none the wiser. When I finally got round... Read more

Works fine until you don't need it anymore. Turns out there is a non-use card fee every month and there is no correspondence about this at all. No email, no letter, so the fee keeps getting taken out with you none the wiser. When I finally got round to cancelling it, the operator was pretty incompetent. She said they would transfer the money back to my bank account. Great. But she was done with the call until I asked her if they had my bank details on record. They did not. So she had to get them off me. I had to prompt her to do this. And once the money is received in my bank account I have to call them again to let them know to close the account. I'm not sure why this can't be done immediately after giving the first instruction. Banks do this all the time. Very bizarre operation, very incompetent customer service, unethical in the way they charge fees. Just don't do it. Just open an account with a charger bank which lets you use your card abroad.

Reviewed on 30th October 2020

scs

Simply hopeless

Booked a trip to travel down through the Alps on the Glacier & Bernina express trains in early June 2020. Due to Countries closing borders as a result of COVID-19 our airline cancelled our flights & refunded us. Similarly all but one of our hotels/... Read more

Booked a trip to travel down through the Alps on the Glacier & Bernina express trains in early June 2020. Due to Countries closing borders as a result of COVID-19 our airline cancelled our flights & refunded us. Similarly all but one of our hotels/ accommodation either Refunded us in full or did not charge us. This left us with one non refundable booking but on speaking with the hotelier he kindly offered to refund 50% of our costs. Our travel claim was the remaining 50% amounting to just under £80.00.Our policy was bought with no excess and so having obtained my partial refund from the hotel thereby minimising my losses I filed a claim in early June 2020, the claim form advising all claims would be processed with 5 working days. Understandably during a global pandemic the number of claims sky rocketed and the Insurer’s telephone message led me to understand that this was increased to 15 working days. In reality it was more like 30 working days when despite having sent all my documents & evidence with my claim, some were requested again in a blanket coverall letter with no account taken for what I had already submitted. The next fiasco was the Insurer insisting I first of all claim under S75 Consumer Credit Act from my Credit card provider. It was clear to me when completing such a claim that it was not pertinent & doomed to fail! Nevertheless Sainsburys insisted this avenue had to be explored! At this time Credit Card Companies we’re also dealing with a large amount of claims resulting from the pandemic & we had no choice to await their decision. At the end of September my card provider confirmed S75 was not relevant and I pressed for payment from the Insurer. 2 weeks later, without any written notification, an amount of money appeared in my wife’s account which was less that our excess free claim rather than what was claimed & due but by this time my wife & I had almost lost the will to live.

My only previous claim with any travel insurance was over 10 years ago & that was a simple matter. It is clear that Sainsburys Travel Insurance puts up as many fences as possible to frustrate any claims being made & even if you are successful it pays less than is due.
We will never buy from them again! Simply appalling service

Reviewed on 28th October 2020

Colin