Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 27th April 2007 21:32 #1
    hammered hammered is offline
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    Default Hammered vs SMILEY

    well im not smiling after they charged me £280 one month!
    ive sent the prelim letter today....£590 in total

    Similar Threads:
    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  2. 4th May 2007 10:49 #2
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    recived the latter back saying they are looking into it, was posted same day mine arrived......

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  3. 19th May 2007 01:02 #3
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    ok receivd letter back
    dear mr xxxxx, this is just to say we are looking into your complaint and a member of our (blah blah) will get back to you in 4 weeks. this will be by phone (blah blah.)
    some more (blah )about making me aware of the complainst procedure.

    should i wait or carry on? it is about time for me to send the lbaicon to them anyways...

    me thinks i should just go ahead and send it .........
    cheers

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  4. 19th May 2007 01:08 #4
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    actually i think looking at the other posts i should just send the lbaicon off as it isnt actually a complaint they are just stalling me
    here goes

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  5. 19th May 2007 15:46 #5
    mikeyb101 mikeyb101 is offline
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    Default Re: Hammered vs SMILEY

    Yes definitely carry on. As others have said on here, this isn't a complaint it's legal action.

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  6. 28th May 2007 11:27 #6
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    lbaicon has been sent

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  7. 1st June 2007 22:03 #7
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    standard reply recieved .

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
    Reply With Quote Reply With Quote
  8. 16th June 2007 23:32 #8
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    good news ! smile have repaid the charges in full! as a good will gesture, so im pretty please and maybe i should push some more business their way ?

    unless of course they close my account after 8 weeks like one of the previous threads.....

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  9. 4th October 2009 11:38 #9
    hammered hammered is offline
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    Default Re: Hammered vs SMILEY

    well the accounts still open...

    hammered vs Lloyds TSB -(£1500)-- S.A.R - (Subject Access Request) sent
    hammered vs First Direct-(£775)---S.A.R - (Subject Access Request) sent
    hammered vs egg CC-(£128)-------TBC
    hammered vs Smile-(£590)---------PL letter sent
    hammered vs MSDW cc-(£48)------TBC
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  10. 4th October 2009 11:41 #10
    caro caro is offline
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    Default Re: Hammered vs SMILEY

    Looks like you got your charges back before the OFT v Banks test case started. Hope you've had no more hassle.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    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.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    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.
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  11. 22nd October 2009 12:41 #11
    Bona Bona is offline
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    Default Re: Hammered vs SMILEY

    Smile are the limit now if they return a cheque they dont take the 30.00 out of your account for 30 days then charge you 20.00 for doing it how fair is that and when you send them a secure message they dont reply for at least 36hrs and not then I had to phone them it makes me made

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