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
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Thought i'd track my progress with smile for anyone trying to claim back from them. I just receieved details of charges without SAR. Total charges in the three years i've had the account came to £650 so i've written to them to request this is refunded.
To be honest, smile are a pretty good bank other than their system of charges which are just extortionate, £15 then £5 a day you're over your o/d! - And they don't even tell you it's happended. I had one day where i went 87p over my limit, didn't notice cos i was away and came home to £145 worth of charges!!!!!!!! These guys are supposed to ethical!
Anyway, i have another account set up and ready in case of the worst....
I must admit I tend to agree with you about smile. I've been with a few banks over the years and they are by far the easiest to deal with. On my account the fees for being over the OD are shown on the statement on 5th, and taken on 21st. Probably my biggest gripe is that the charges are taken just before most people get paid, so more may be incurred the following month if funds are a bit low.
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.
Smile recieved my final letter on 8th March and only today (22nd) did they reply with a standard letter saying it was being looked into and that they had 40 days to respond. I feel they are trying to dictate the timetable and was wondering how to approach it as my second letter stipulated 14 days or else legal action. Should i just file or what? Is 14 days or 40 days inclusive of sundays/bank holidays?
Anyhoo, not overly worried and quite optimistic of a positive outcome given the other posts...
You're in charge, you specified 14 days, the program here is 14 days, they're just using delaying tactics. They're unscrupulous, they're hoping you'll lose interest and forget about them. Why does it take them 40 days to look at your file on a computer screen? That's a nonsense; go for it, file your claim.
**Atomboy**
Abbey Business Acct £1748.47 **Won**
Abbey Personal Acct Prelim sent 5/2/7. LBA sent 14/2/7. Claim filed 8/3/7.
Abbey Credit Card **Won** £469
Abbey Business Acct 2nd claim Prelim sent 5/2/7. LBA sent 14/2/7. Claim filed 8/3/7
Abbey Business Acct 3rd claim Prelim sent 22/3/7. LBA sent 11/04/07
Abbey Business Acct 6th claimPrelim sent 11/04/07
Blackhorse **Won** £153.70
Nat West S.A.R - (Subject Access Request) sent 11/04/07
Smile **Won**
Smile Visa Card Prelim sent 22/3/7; LBA sent 11/04/07
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.
hey ho, so I recieved my charges back from Smile almost exactly 8 weeks ago. In their offer letter they informed me that "if we hear nothing more 8 weeks from the date of this letter we will consider the matter closed".
What do you know, 8 weeks to the day i get a secure message informing me that 'we are not happy with the way you have been using your account and intend to close it 30 days from today'.
I am going to take this to the Ombudsman cos it's clearly punitive retaliation for claiming back the charges (after all they could have closed it at any time in the last 2 years when i was being charged and 'misusing' my account).
amejelo v Smile ***WON***
. Total charges in the three years i've had the account came to £650 so i've written to them to request this is refunded.
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