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Go Back   The Consumer Forums > The Consumer Forums
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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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Old 9th August 2006, 10:25   #1 (permalink)
bimba610
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Default bimba610 v smile ***WON***

09/08/06 - Sent Subject Access Request letter by recorded delivery will keep you informed
10/08/06 - Subject Access Request Letter signed for 10 debited from account

Last edited by bimba610; 14th August 2006 at 14:15.
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Old 9th August 2006, 11:17   #2 (permalink)
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Default Re: bimba610 v smile

Good start.

While you are waiting get some info under your belt ready for the prelim !

__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.
Citi Cards.Stayed;Stay lifted -hearing Oct.
Default removals;Rbs stayed
Virgin media; Claim filed
Vanquis;Looking for the hidden charges !
Some classic threads to read to get info;
RBS;BigCol45 v RBoS hes done it and ***WON *** a legend
http://www.consumeractiongroup.co.uk...tml#post610424 Natty v HSBC great reading for all HSBC claimers.
NatWest;Bandit v NatWest - The Full Story And Finally**WON** It was gripping !
Halifax;ocharged v halifax ***SETTLED IN FULL***
Barclays;Nightstar V Barclays ***Nightstar WON****
Abbey;Teebum V Abbey 400 posts !
Citi;Watch this space
RECLAIM THE RIGHT .....TELL YOUR FREINDS

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Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
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Old 10th August 2006, 08:39   #3 (permalink)
bimba610
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Default Re: bimba610 v smile

Thankyou reading as much info as i can
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Old 16th August 2006, 08:22   #4 (permalink)
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Default Re: bimba610 v smile

ciao
recieved acknowledgement from smile they have recieved my letter for a Subject Access request and £10.00 has been debited from my account they will arrange for this info to be provided within 40days. Letter dated 14th august
will keep you posted
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Old 19th August 2006, 07:00   #5 (permalink)
bimba610
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Angry Re: bimba610 v smile

just had a quick look at my online statement noticed that my charges for august
are due on the 21st but have been taken today so next month i will incur more charges has this happened anyone ?
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Old 20th September 2006, 15:30   #6 (permalink)
bimba610
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Default Re: bimba610 v smile

S.A.R - (Subject Access Request) arrived this morning need some help on what i can claim from smile
a bit confused

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Old 20th September 2006, 15:39   #7 (permalink)
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Default Re: bimba610 v smile

What is it you need to know exactly ?
Dont worry about the extra charges ..you can still claim for these right up to filing for court.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.
Citi Cards.Stayed;Stay lifted -hearing Oct.
Default removals;Rbs stayed
Virgin media; Claim filed
Vanquis;Looking for the hidden charges !
Some classic threads to read to get info;
RBS;BigCol45 v RBoS hes done it and ***WON *** a legend
http://www.consumeractiongroup.co.uk...tml#post610424 Natty v HSBC great reading for all HSBC claimers.
NatWest;Bandit v NatWest - The Full Story And Finally**WON** It was gripping !
Halifax;ocharged v halifax ***SETTLED IN FULL***
Barclays;Nightstar V Barclays ***Nightstar WON****
Abbey;Teebum V Abbey 400 posts !
Citi;Watch this space
RECLAIM THE RIGHT .....TELL YOUR FREINDS

DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html

Cag official meet-Nottingham 4th.October 2008.All welcome.



Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
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Old 20th September 2006, 15:46   #8 (permalink)
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Default Re: bimba610 v smile

not sure about the service charge of 15 pounds and the debit interest
ok with the daily charge

thankyou
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Old 20th September 2006, 15:57   #9 (permalink)
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Default Re: bimba610 v smile

If the service charge is for extra features that you benefit from then its not claimable.
The other charges are.
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.
Citi Cards.Stayed;Stay lifted -hearing Oct.
Default removals;Rbs stayed
Virgin media; Claim filed
Vanquis;Looking for the hidden charges !
Some classic threads to read to get info;
RBS;BigCol45 v RBoS hes done it and ***WON *** a legend
http://www.consumeractiongroup.co.uk...tml#post610424 Natty v HSBC great reading for all HSBC claimers.
NatWest;Bandit v NatWest - The Full Story And Finally**WON** It was gripping !
Halifax;ocharged v halifax ***SETTLED IN FULL***
Barclays;Nightstar V Barclays ***Nightstar WON****
Abbey;Teebum V Abbey 400 posts !
Citi;Watch this space
RECLAIM THE RIGHT .....TELL YOUR FREINDS

DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html

Cag official meet-Nottingham 4th.October 2008.All welcome.



Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
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Old 20th September 2006, 16:18   #10 (permalink)
bimba610
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Default Re: bimba610 v smile

Just looked had a look at the smile website i found this info
if you don't ask us for an increase but go over the agreed limit anyway, we'll have to spend time and money chasing your repayments and you will pay interest of 25% EAR on the overlimit balance, there'll also be a £15 management fee every month and a service fee of £5.00 a day. So it's always better to ask.
i get no extra features so can i claim this?
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Old 20th September 2006, 16:22   #11 (permalink)
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Default Re: bimba610 v smile

Yes clearly they look like penalty charges.:o
__________________
Halifax ; First and easiest of the lot.
Royal Bank Scot; 1 done 1 stayed
Telewest Broadband.......Won ..after 2 bounced cheques and them running out of time.
Barclays Business;.1 won Round 2 limitation hearing.
Citi Cards.Stayed;Stay lifted -hearing Oct.
Default removals;Rbs stayed
Virgin media; Claim filed
Vanquis;Looking for the hidden charges !
Some classic threads to read to get info;
RBS;BigCol45 v RBoS hes done it and ***WON *** a legend
http://www.consumeractiongroup.co.uk...tml#post610424 Natty v HSBC great reading for all HSBC claimers.
NatWest;Bandit v NatWest - The Full Story And Finally**WON** It was gripping !
Halifax;ocharged v halifax ***SETTLED IN FULL***
Barclays;Nightstar V Barclays ***Nightstar WON****
Abbey;Teebum V Abbey 400 posts !
Citi;Watch this space
RECLAIM THE RIGHT .....TELL YOUR FREINDS

DONATIONS HELP US TO HELP YOU
However large or small all go to ensuring that the site can continue in its fight for consumers.You can make a donation by paypal here;http://www.consumeractiongroup.c o.uk/donate.html

Cag official meet-Nottingham 4th.October 2008.All welcome.



Advice offered by MARTIN3030 is without predjudice and is for your judgement as to whether to take it.
You should seek the assistance or hire of a solicitor or other paid professional if in doubt ie; Cobbett Ltd.
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Old 20th September 2006, 16:25   #12 (permalink)
bimba610
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Default Re: bimba610 v smile

Thankyou for your help
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Old 29th September 2006, 12:45   #13 (permalink)
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Default Re: bimba610 v smile help with spreadsheet

A quick question about my spreadsheet in the final column are two totals
one is for 8%apr which i do not claim for at this stage what is the other total for
can anyone help

bimba610

Last edited by bimba610; 30th September 2006 at 21:43.
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Old 3rd October 2006, 07:09   #14 (permalink)
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Default Re: bimba610 v smile spreadsheet question

A quick question about my spreadsheet in the final column are two totals
one is for 8%apr which i do not claim for at this stage what is the other total for
can anyone help

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Old 3rd October 2006, 13:01   #15 (permalink)
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Default Re: bimba610 v smile

There are a number of spreadsheets available now, so can you specify which one you are using. I think they all have titles at the top of the columns to show what they are though.
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Old 3rd October 2006, 14:09   #16 (permalink)
bimba610
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Default Re: bimba610 v smile

using the simple excel spreedsheet sorry did not make myself very clear
it was column f

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Old 3rd October 2006, 14:19   #17 (permalink)
caro