Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have lookd for other threads on this topic but may have missed them.
I opened the abouve account four years ago. I have never used it. I have never received emails from smile about the account. However, a few weeks ago I got a letter telling me that the monthly charge was going up to £12. WTF?!? was my first reaction.
I phoned, and discovered that I was overdrawn by £440! They kindly refunded half of that, but are refusing to do anything about the rest of it. Had I been aware of the monthly charge I'd never have signed up. Apparently me ticking the box on the sign up form means that I was completely aware of the T & C.
Don't have a clue about this, but hopefully someone will be along soon who can help.
Have they never even sent you a statement with these charges on, or is it an internet only account?
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
After being sent an email that said that I had to pay up and it was tough luck, I elevated the issue through the complaints procedure.
I pointed out that since I had never used the account, and had never received emails from them about the matter, I would like them to waive the amount.
The agreed to this and have cleared the balance and closed the account as I requested!
This appears to suggest that ticking the "I agree" box doesn't carry any weight.
smilemore current account monthly charges
Reply With Quote
