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.