Applied online for a loan when the agreement arrived the name was wrong. Rang the bank to say name was wrong and was told I would have to re-apply . Application was accepted and agreement arrived was signed and returned with a note to say when the funds were required to be in my account. On the said date nothing was transferred to my account. Orange again and was told the transfer could happen anytime in the day. It didn't happen. I rang the next day to be told that further checks would be made on the day I had said I needed the money in my account which seems rediculous and that it would take two days to do this. This is Sainsbury's procedure. They have had a fortnight to make these checks why wait until the requested payment date to initiate them?? Fortunately I am able to make the payment the funding is for but not everyone is in a position to do this. Very disappointed with Sainsbury's Bank!!!!!!