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  • #1

    Sainsburys loans

    Hi guys, after some advice about what to do with these loans,

    - 2009 i owe roughly £6500
    -2010 i owe roughly £12800

    I stopped all payments of both these back in May as i couldn't keep up with payments, i have written to sainsburys requesting them to accept reduced payments. I then receieved letters from albion and duly wrote back asking for same reduced payments, they basically have all been ignoring my letters and then accuse me of ignoring them! So i received the latest letter from albion telling me that sainsburys were going to take further action. So i have tried writting again directly to sainsburys saying i would like to come to some sort of agreement. However they do not write back, they just phone or text me asking to call them. So how can i resolve this? should i just speak with them on phone? I really dont want court papers rocking up on my doorstep. thanks
    Tags: 1st, 1st credit, account, action, advice, blair oliver, bos, claims, collection, computer, court, credit, date, dca, dca's, debt, debt collection, debtors, debts, doorstep, finance, hbos, letters, loan, loans, mbna, money, pay, payment plan, payments, phone, sainsburys, templates, text
  • #2
    Re: Sainsburys loans

    Originally posted by Flowerpower
    No, you shouldn't speak to them on the phone. Whatever agreement you reach needs to be put in writing. Have you made a specific offer to pay a certain amount every month?

    Yes i have but have changed the amounts offered each month according to how much work/money i had to pay! lol i have offered 3 different amounts, so far i have had nothing back accept letters telling me the debt will not go away and to pay immediately! I have even wrote to them telling them i will only deal with them in writting.

    Comment

    • #3
      Re: Sainsburys loans

      All their letters are computer generated templates, I wouldn't worry about it. In fact when they actually send proper letters that take into account things you have said, in my view it's time to take notice and act!!!

      Comment

      • #4
        Re: Sainsburys loans

        thats what i thought, but cant beleive they havent come to the table yet as such, seeing as the debts are enforceable and im not even making any payments...through no fault of my own...i was getting worried i would just get court papers turn up
        Last edited by GlobalC; 5 September 2012, 10:47. Reason: missed sentance

        Comment

        • #5
          Re: Sainsburys loans

          hi.
          heard any more about this?
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #6
            Re: Sainsburys loans

            Hi Missy, these are now being managed by blair oliver scott. One of them i have an agreed monthly payment the other i am still waiting to hear about.

            Comment

            • #7
              Re: Sainsburys loans

              Originally posted by globalcrossings View Post
              Hi Missy, these are now being managed by blair oliver scott. One of them i have an agreed monthly payment the other i am still waiting to hear about.
              Hi there,
              They are Sainsburys internal debt collection. Good luck and let us know how you get on.
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: Sainsburys loans

                Originally posted by missy View Post
                Hi there,
                They are Sainsburys internal debt collection. Good luck and let us know how you get on.
                HBOS own BOS (blair oliver scum) and Sainsburys finance is managed and provided by HBOS so they're all the same.

                Just remember Sainsburys are not a lender, HBOS is the lender and BOS is a division of HBOS - NOT sainsburys.

                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: Sainsburys loans

                  Originally posted by globalcrossings View Post
                  thats what i thought, but cant beleive they havent come to the table yet as such, seeing as the debts are enforceable and im not even making any payments...through no fault of my own...i was getting worried i would just get court papers turn up
                  That aint gonna happen, HBOS don't issue claims, they sell their toxic debts to DCA's and leave them to do it, usually 1st Credit or the likes will become involved.

                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #10
                    Re: Sainsburys loans

                    Originally posted by Never-In-Doubt View Post
                    HBOS own BOS (blair oliver scum) and Sainsburys finance is managed and provided by HBOS so they're all the same.

                    Just remember Sainsburys are not a lender, HBOS is the lender and BOS is a division of HBOS - NOT sainsburys.

                    Blair, Oliver, Scum PSML
                    Thanks for clarification over who is what.
                    Watching this thread closely so i know what to expect from these bums!
                    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #11
                      Re: Sainsburys loans

                      Missy, I hadnt paid these bums for 4 months but now came the time to try and sort something out. I have sent off a pro rata payment to all my debtors except mbna ( UE route ), so far BOS have agreed to one out of the two payment plans will see how it goes with the other, but i would except them to agree to it as they have with this one

                      Comment

                      • #12
                        Re: Sainsburys loans

                        Originally posted by globalcrossings View Post
                        Missy, I hadnt paid these bums for 4 months but now came the time to try and sort something out. I have sent off a pro rata payment to all my debtors except mbna ( UE route ), so far BOS have agreed to one out of the two payment plans will see how it goes with the other, but i would except them to agree to it as they have with this one
                        Good luck with it, keep us posted.
                        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: Sainsburys loans

                          Hi Guys,

                          Blair oliver scott have now agreed to my proposed payments on both these loans so can now put this on the back burner for the time being, just got to make sure i pay what i proposed and hopefully wont hear from them until this time next year

                          Comment

                          • #14
                            Re: Sainsburys loans

                            Originally posted by globalcrossings View Post
                            Hi Guys,

                            Blair oliver scott have now agreed to my proposed payments on both these loans so can now put this on the back burner for the time being, just got to make sure i pay what i proposed and hopefully wont hear from them until this time next year
                            Well done!

                            Ive heard nothing from these clowns to date, although its early days - so far, so good
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #15
                              Re: Sainsburys loans

                              Hiya Global..... I was passed to B.O and Scott from Sainsbury's too..and they agreed a payment plan for me too...but after 2 years they sold it off to a DCA. I don't know if this is their normal strategy or a one off. What I'm saying is I suppose is that as Agents they might not be a long term solution so expect at some stage to be 'sold off' like a slave to another parasite living on the blood of those who happen to have fallen on hard times... Like you say though, breathing space. well done ..

                              Comment

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