Dreadful company ! Tried numerous phone calls, online chat, emails and even tried to contact them by post. No reply after 4 weeks ! Have a problem with both Nectar and Sainsbury's credit card not linking following my points being stolen in June. Still not resolved and impossible to log into both accounts easily. New Nectar card, deleted Apps, renewed Apps, changed all my passwords, pins etc etc all to no avail. They owe me money for the points that were stolen. They are indifferent to the trouble this has caused me and the worse thing is that I know there are many others having the same problem !