My Nectar Card was fraudulently used on 18 November 2025 in Kentish Town, some 6-8 miles away from my home address and I don't even know where the Sainsbury's Local is situated.

Anyway, My Nectar Card was frozen and cancelled, as were those of my elderly pensioner parents who are linked holders, crucially, on a very low, well below state pension income and I am their unpaid carer. We as a family depend on the Nectar Savings and the Points which we accumulate to make life that little bit easier.

Prior to the uninvited Fraudulent use, we were saving at lease £15 per week as a family. I later learned the fraudulent use has been widely reported and has affected many more customers, some to the tune of £100's each and Sainsbury's/Nectar has fobbed them off with hugely unacceptable 'goodwill'. In some cases even directing customers to the Police and/or Action Fraud for essentially an unrecordable issue.

It seems that all of these incidents have occurred as Sainsbury's has failed to adequately protect the very customers, which as a group they make BILLIONS out of!

I would even question if these fraudulent acts are actually internally advised accounts to externally untraceable beneficiaries. It has been previously reported that an internal employee was convicted of Nectar Points Fraud to the tune of double digit thousands.

In my case it took Sainsbury's and Nectar 12 whole weeks to finally sort things out and in those 12 weeks we suffered, on average (12 x £15 = £180 of savings on our regular purchases) in addition we lost out on £30 of Count up to Christmas savings. In total £210 for a very financially vulnerable family.

Sainsbury's offered a very nominal 'goodwill' and stated "If you do remain unhappy with this gesture, you would need to seek your own independent advice on this matter."

Essentially, a kick in the you know what for our long standing loyalty. I have read many similar cases on both this review site and also many other sources across the Public Domain.

I have since read a number of Which? Reports on both Supermarkets and also Loyalty Cards and the writing shouts very loudly! I would recommend all failed Sainsbury's and Nectar customers have a read and re-evaluate their options. The Blue and Red competitor offers a far better reward percentagewise and to my knowledge has not suffered the widespread hacking and fraudulent use of innocent customers savings. I also believe that they have far stronger protections with regards to their systems and controls.

Personally, I believe that Sainsbury's/Nectar has known about the gaping hole in their security and also the scale of the losses to very honest, innocent and loyal customers and are doing their best to fob victims off at the lowest possible cost without settling losses in a full and fair amount.

In August 2024, This is Money reported "More than a million Nectar reward points have been stolen from This is Money readers so far this year"

But what about the consequential losses as in my family's case, which result out of the sheer incompetence and indifference at Nectar to resolve the issues to get a customer back to a pre fraud position as quickly as possible.

Again, I have read many cases where customers have been left out of pocket whilst Sainsbury's systems relearn, for weeks on end, the customers regular purchases so that they are once again back on a stable footing. Hence, yet another hidden financial loss.

This is Money reported in October 2024 "A common theme has cropped up in all the cases - victims have no idea how the points were nabbed, while our attempts to get an answer from Sainsbury's meet a constant brick wall."

Hence, Sainsbury's keeping dead silent says a lot!

As partly mentioned above, once we were in possession of new cards and were finally able to successfully register them all, only late last week, it will now take us weeks on end for each of our accounts to build up the history for our Personalised Purchase History and our Personalised Bonus Points Offers.

Hence, yet another additional financial loss on our regular purchases. Something else which Sainsbury's will not compensate for, due to its own failure to implement tighter security over Fraudulent Nectar card abuse, as well as overseas call centre incompetence.