Sainsbury's Bank Direct Debit

Sainsbury's Bank is run by the Royal Bank of Scotland, so why don't they operate like other banks. To explain: I decided recently to pay my council tax by direct debit, no problem; I changed my electricity
supplier and have to pay by direct debit, again no problem. I decided this year to pay my TV licence by direct debit; I received a letter yesterday from TV licensing to say Sainsbury's Bank informed them I had cancelled my direct debit. I did no such thing, it was a complete surprise to me.
I set up a Pay Pal account, I made a payment of 12 pounds, no problem: I make small payments on Ebay, 4 pounds, 8 pounds, and get an email from Paypal to say the transfer has been cancelled because of insufficient funds.
When I have passed my driving test I will be buying a car for cash (in the region of 6,000 pounds) I could double the price if I wanted, no problem. So where are the insufficient funds to transfer 4 pounds.
How about some honesty from Sainsbury's Bank.
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Further to my previous posting, I have now received two letters, one regarding my council tax. The direct debit has been stopped after 7 months, again without my prior knowledge; the other from my energy supplier who states they were informed by my bank that I decided to cancel my direct debit. This was news to me. A cancellation should be made in writing. I have asked to see a copy of this suppossed letter. Banks are suppossed to follow a code of practice, I don't believe this includes lying.
Another problem I had almost 2 years ago was when I used my ATM card to withdraw 100 pounds, but the bank deducted 120 pounds/ I had the inconvenience of photocopying both the withdrawal slips and quarterly statements and posting them to Edinburgh. After 3 weeks and no response I phoned them and after 10 minutes of boring music I got to speak to someone who informed me that the matter had been put right. Why couldn't they bother to inform me by post. I wonder how many other mistakes are made that are not noticed. It should no be necessary to scrutinise every bank slip.
Sainsbury's Bank want to get their act together and stop employing liars and people who are dead from the neck upwards.
Avoid this bank like the plague. No problem in 38 years with banks south of Hadrian's Wall.
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biggles wrote:

I take it you've never had to deal with Barclays then?
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wrote:

No, never. What is the problem with Barclays?
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biggles wrote:

Their call centre staff are mostly incapable of speaking the most basic English. There's a lot of intelligent people in India, but seemingly none of them work for Barclays.
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wrote:

one

Sainsbury's must have closed their call centre in India as I actually got to speak with someone with a Scottish accent the other day. Last time I rang Abbey (formerly Abbey National) to cancel a cheque, I was answered by an Indian who asked me if I wanted to cancel every cheque in the book.
Only ever had one problem with Lloyds TSB, that was receiving a payment through paypal. Paypal advised me the bank refused to accept payment via this method, then sometime within the next two weeks, payment was accepted.
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