Thread: Un1boy v Smile *WON*

Hi, and best of luck with your claim x

Originally Posted by un1boy

I have just sent my DPA request off. Please see this thread for a full update at the moment as I am requesting all Co-OP account details, and my other Thread in the Co-Op section is more detailed:

http://www.consumeractiongroup.co.uk...boy-co-op.html

Thanks.

I have update my thread - please click the link above to check on progress!!

Originally Posted by un1boy

I have just sent my Data Protection Act request off. Please see this thread for a full update at the moment as I am requesting all Co-OP account details, and my other Thread in the Co-Op section is more detailed:

http://www.consumeractiongroup.co.uk...boy-co-op.html

Thanks.

Please check my thrad above - have updated it and have some improtant questions!

Thanks,

Ok guys, I'm going to claim for my Smile account, Co-Op account and Co-opp credit acrd seperately so will update each post seperately.

I have sent the prelim of - recorded, of course. They should get it Tuesday. My concern though now reading the most recent of threads is that they are letting people's claims get to the MCOL stage.

My problem is that I used to work for CIS, a company which is part of co-operative financial services (CFS) which owns CIS, the co-op bank and as Smile is owned by the co-op bank, Smile as well. CIS didn't pay me properply for around 9 months 2 years ago and I got charged hundreds, which, in the end they refunded. As the refunds came months later and didn't correlate to any particular dates, just a lump sum, what happens if I have to take it to MCOL in terms of working our the daily interest? I don't know which ones I got back and which ones didn't.

I added all charges up and minused the ones that I had been given back.

Any ideas?

*bump* for the above

Smile received prelim 06/09/06 - clock is ticking.

No answer to my Prelim for this account - lba sent today (including the extra charges they have put on there!!)

Originally Posted by un1boy

CIS didn't pay me properply for around 9 months 2 years ago and I got charged hundreds, which, in the end they refunded. As the refunds came months later and didn't correlate to any particular dates, just a lump sum, what happens if I have to take it to MCOL in terms of working our the daily interest? I don't know which ones I got back and which ones didn't.

I added all charges up and minused the ones that I had been given back.

Any ideas?

If you use the sites spreadsheets and add all of the charges on, and treat the refund as a minus figure, it will also deduct the interest I believe.

Ah, brilliant, thanks for this!

ok, not heard anythign from them about my prelim - got this secure message from "Manager" today though:

Dear Un1boy

I'm sorry that we haven't been able to respond to your complaint.

At the moment we are still looking into the issues you've raised regarding charges. As soon as we've made a decision about this we'll be able to send you a full response.

We hope to be able to send you this shortly, but if there are likely to be any more delays, I'll be sure to let you know.

Regards

smile Complaints Team

PS - For full details of our complaints procedures go to Redirecting to Smile Production Site, click on 'talk to us' then click on 'complaints' on the right hand side.

Whatever - you've got the 14 days my lba gave you, then MCOL will be issued!!

Exactly, your timeframes not theirs.

Hmmm....went about 20 quids over my overdraft the other day and credited it straight away, got ym smile statement and no mention of any charges - not even debit interest (which they are entitled to take!)

How strange?

Originally Posted by caro

If you use the sites spreadsheets and add all of the charges on, and treat the refund as a minus figure, it will also deduct the interest I believe.

Do you put the dates in too? Because it takes away the daily interest amounts. It shouldn't take the daily interest away, should it? It just shuoldn't be included!

Originally Posted by un1boy

ok, not heard anythign from them about my prelim - got this secure message from "Manager" today though:

Dear Un1boy

I'm sorry that we haven't been able to respond to your complaint.

At the moment we are still looking into the issues you've raised regarding charges. As soon as we've made a decision about this we'll be able to send you a full response.

We hope to be able to send you this shortly, but if there are likely to be any more delays, I'll be sure to let you know.

Regards

smile Complaints Team

PS - For full details of our complaints procedures go to Redirecting to Smile Production Site, click on 'talk to us' then click on 'complaints' on the right hand side.

Whatever - you've got the 14 days my lba gave you, then MCOL will be issued!!

Just received this re; my CO-OP accounts (NOT my Smile account!!)
__________

Dear Un1boy

Account number: xxxx and xxxxx

Thank you for your recent correspondance. I am sorry you have had to write to us.

I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwill on this occasion only. This will appear as a credit on your next statements.

I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah
___________

so, the long and short of it is I've won for my other accoutns!!!!! :grin: :grin: :grin:

now, do I leave it at that, or should I write and ask for my costs towards the Data Protection Act request and recorded delivery too?! lol.

In terms of Smile - why are they doing this now, by making us go to MCOL?! lol. i received the above letter after my LBA. It'll be interesting to see how Smile deal with this.

I went over my OD by accident the other day (first charges in 18 months!) and I sent a secure message asking if I'd be charged because I transferred the dosh that day. Got one back saying this:
___________
I've checked and can see that you have exceeded your agreed overdraft limit for 1 day. As such you will have charges, which will debit on the 21 of October.

At the moment the charge stands at £20.00.

The charges for going over your overdraft limit are:

- £15.00 service charge (this is for going over the agreed overdraft limit)

- £5.00 daily charge (for every day you're over your overdraft limit).

Our charging period runs from the 5th of one month to the 4th of the next month, with the charges applied on or as near to the 21st of the month as possible.
__________

So I sent one back saying that how can I get charged for one day going over, when it was actually about 2 hours? The last line of my message said, "I was under the impression these charges are unlaawful."

Hmm...let's see what they have to say to that!! lol

Get into them! I had a charge after I started court proceedings but got the court papers back as I hadn't specified a specific sum so can now add it in but they will no doubt add more in the future. They have remove dmy online access so I am now unable to keep track of these! Bar stewards!!

PS I got the same secure message you have written out in post 15 when I enquired at the end of lba stage.

Ahh, right, well I got the reply in post 15 after m lba too - so long as they don't remove my access, I'll be ok.

Are they allowed to do that? It's an online account and you won't be able to keep track of your account.....

Hust received this Secure Message:

__
I've just received your Letter, dated xxx.

I'm sorry you're disappointed that we haven't issued a final reply to your complaint. We work to FSA timescales, which you can read about at Redirecting to Smile Production Site by clicking on 'talk to us', then 'complaints'.

Should you wish to issue a claim in the mean time, you should send the court papers to

smile
PO Box 600
Delf House
Skelmersdale
Lancs
WN8 6GF

and they'll be forwarded to our Legal Services team.

Thanks
______

Take it I jsut issue MCIL at end of the timescale?

I've just sent them this:

Thanks for your mail. I'd like to point out that the FSA timescales do not apply in this case. You are working to the timescales I have set. If I have not heard a positive response to my letters by 09.10.2006, as per the timescales set in my letter, then I will be issuing a claim at the county court. This would have given you 28 days in total to respond to my complaint. 28 days is the statutory minimum that is required by any court.

Obviously, I do not want to do this and would rather settle the issue without getting the courts involved as it will cost you more.
Please do everything you can to response positively by the date mentioned in this secure message.

I look forward to hearing from you.