I am attempting to fix my worsening financial situation but Sainsburys Bank will not even discuss this with me until their own timeframe is complete. The reason for their timings is self evident, to ensure my credit score is demolished. There is no legal requirement, no logical one. None of the other creditors are taking anywhere as long. I started talking to them over 2 months ago yet I still have wait longer before I can even ask the question. If you can I advise avoiding Sainsbury's Bank for loans. The customer service is shocking. I made a complaint and still haven't heard back; other than an email telling me someone will be in touch this has been almost 2 weeks. So long as there are no issues, all is well. Want to change anything or have issues, they are machines, the front line staff are humans with no ability to make decisions, everything is no, its our process. I best liken Sainsbury Bank to those shady private parking people who automatically turn down all challenges first time round. I hope no-one at Sainsbury Bank ever has to deal with Sainbury's Bank, they'd be horrified. Awful and cruel company. They would rather see me bankrupt than discuss my situation. Cutting off their noses to follow their processes.