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3rd claim : smile are playing silly games... ***WON***
Hello, I am going after smile for the 3rd time, for charges and debit interest totalling £650.
They seem to be playing silly games with me this time. Let me recap - after charging me £25 twice in “commission” in one week, I sent a secure message in complaint. They refunded £25 quickly, although this was a couple of days after I’d sent my lba. No problem I thought, when I fill in the court forms, I’ll just adjust the figure I’m claiming. In the LBA, I gave them 14 days’ notice before court action. I’m now set on going through the fos, although I haven’t told Smile this. I plan to give them another final warning letter with an extra 7 days.
However, Smile have thrown a spanner in the works by refunding about £100 to my account today, in “Adjust Fees Unpaid Items” and “Adj Commission”. .. Any speculation on what their tactics are here?
My intention is to send them the 7 days warning letter and say that I accept this as part payment of the amount due, but nevertheless am claiming for the full amount of unlawful charges taken and am keeping to my schedule.
I’m already operating fully from my parachute account, as Smile warned me about “reviewing my banking facilities in the event of another request for the return of charges”. This was after I claimed successfully from them last year.... Any retaliatory action from them will be notified both to the OFT and to the FOS.
Any advice? Am I on the right track. I also wondered if this tactic (“obfuscation” might be the right word) has been tried on anyone else on the forum?
I sent them one extra letter after the lba, giving them another "7 days" as "a gesture of goodwill" before submitting court claim, and voila, money appeared in account today. I'm now expecting "we will be closing your account" letter although this will be reported to the OFT, FSA and fos if it happens. I've got my charges back, but there are big moral issues here - the banks should be beaten with a stick for their behaviour.
My advice to other would be to stick to your schedules and be persistent and firm, this does work!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
3rd claim : smile are playing silly games... ***WON***
totalling £650.
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