That was easy!!

**penguinni** · 8th August 2006 21:18

I switched to Smile over a year ago and have experienced a number of problems, not least their draconian charges. I had all my direct debits set up for my pay day which was the 15th of each month and I suddenly started being penalised for unauthorised overdrawing. What had happened was that Smile took all my DD payments on the 15th ( which included my mortgage icon

etc) and then a nanosecond later credited my salary. But for a nanosecond I was overdrawn and hit with fees. I discovered this after several months and raised it with Smile who said it was in the terms of my agreement etc and refused to refund. However I soon found that I was in a spiral of charges and ran up an overdraft icon

of £750 which consisted entirely of their fees.

But after reading media reports and finding this site I decided to take them on. On the 30/6/06 I sent my first letter claiming £990 in unfair charges and on 19/7/2006 I sent my letter before action icon

.

On the 27/7/2006 I recived a letter from Smile advising me that following a review I HAD £990 REFUNDED TO MY ACCOUNT!!!!!

They apologised for the delay and went on to say that if they did not hear from me within 8 weeks they would assume I had accepted

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**callumsgran** · 8th August 2006 21:39

Congratulations, and well done! you've been quite lucky most banks push us to the very limit before paying up!

**lisamellor** · 8th August 2006 21:42

Nice One!!!! You Can Clear Your overdraft icon

Now And Get On With Your Life !!!!!

Well Done!!

Lisaxx

**closey** · 10th August 2006 09:12

Good work. That's a nice sum of money.

Could you take a couple of minutes out to complete the Bank Charges Refunds Survey? It acts a really good tool of encourragement to others just embarking on reclaiming their charges.

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