Smile Charges returned today.. but...

[trianglehead]

RESULT!

Sent the LBA (adapted to my personal style) on Friday and Charges returned to my account "ADJ. INTEREST" of £630.50 today.

I am so happy.... and would be glad to leave it at that... but...

The amount refunded did not include the debit interest which I detailed (another £44), and only included the charges from the opening of my account 3 years ago up until when I sent the first letter. How very crafty of them. When I sent the LBA 2 weeks later, there had been an additional £105 in charges (mostly "Commission unpaid items") on my current account because I was in a tight spot(no wonder). In fact since I sent the LBA this figure has gone up to £155.

I'm not bothered about them not giving me back the interest although I'd be delighted to hear any particular idea why this might be - i've read conflicting views on the forum about this and I'm a little confused.

Should I go after the £155? These charges were all made in the last 2 weeks which is taking the p*** a little I think, and morally wrong as they were blatantly exploiting my financial difficulty. I am self employed and sometimes wait a month or longer for payments to come in, that is one reason why I have got into difficulty and incurred these unlawful charges.

I want to go after the remaining charges, how exactly should I do this? In one way they have been very "co-operative" and I'm happy about the outcome, but I still feel aggrieved in another way.

Good luck to all of you behind me in the queue - stick in there - you'll win.

trianglehead

[callumsgran]

Hi, perhaps you could ring them to see if they will up the offer to cover everything? worth a try, they obviously know you're serious cos you've sent a lba!

[rogerebaker]

congrats on getting your money back. I managed to get my daughthers back last week after the LBA. I have had several phone conversations with Smile and they have been very good. I would ring them Im sure they will return your recent charges

Perhaps they have seen the opportunity to steal a few angry customers from the other banks. In my recent dealings with all the banks they have probably been the easiest to deal with and seem to have realised that early resolution is better than wasting money on court fees etc.

Enjoy your money

[caro]

I would try a phone call first too, but if that doesn’t work straight away I would just send another preliminary letter and start the process again.

Congrats on the success by the way.