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Go Back   The Consumer Forums > The Consumer Forums
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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

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Old 9th June 2006, 15:41   #1 (permalink)
Leo1
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Default For those of you who have claimed from Smile

Hi All

Did Smile close your account after successfully claiming? I will be sending off my claim to Smile soon, but I am hoping they won't close the account afterwards as I would really like to continue banking with them.
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Old 9th June 2006, 20:42   #2 (permalink)
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Default Re: For those of you who have claimed from Smile

I haven't heard of Smile doing this. In fact they seem to be behaving quite reasonably.
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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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Old 15th June 2006, 00:39   #3 (permalink)
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Default Re: For those of you who have claimed from Smile

Smile has closed my accounts after refunding the charges.
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Old 15th June 2006, 00:52   #4 (permalink)
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Default Re: For those of you who have claimed from Smile

Quote:
Originally Posted by Fully_charged
Smile has closed my accounts after refunding the charges.
Am I right in thinking though that this was not solely due to refunding charges. Didn't I see on another post of yours that there were other issues which may have led to the closure of your account.

I meant that I have not heard of smile closing accounts due only to refunds being claimed.
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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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Old 10th July 2006, 17:16   #5 (permalink)
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Default Re: For those of you who have claimed from Smile

I hope they don't close mine as I have a student overdraft which is at 0% for another year. I can only find £100 charges so far, is it worth the risk?
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Old 11th July 2006, 17:15   #6 (permalink)
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Default Re: For those of you who have claimed from Smile

Quote:
Originally Posted by pugsley
I hope they don't close mine as I have a student overdraft which is at 0% for another year. I can only find £100 charges so far, is it worth the risk?
I think it is highly unlikely, but the advice is always to get a parachute account just in case. I think £100 is definitely worth it. It really has only been very isolated cases where smile have closed accounts, where there have been additional issues as well. I really wouldn't worry about it unless they have already threatened closure for some reason.
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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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Old 11th July 2006, 19:51   #7 (permalink)
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Default Re: For those of you who have claimed from Smile

they havent closed mine (refunded today) just said "stay within your o/d limit in future".
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Old 11th July 2006, 20:31   #8 (permalink)
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Default Re: For those of you who have claimed from Smile

well I haven't got any issues with them, but I am gonna wait until a cheque clears and remove the money just in case they cancel my o/d. I do have another current account but it isn't as good as smile.
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Old 29th August 2006, 11:53   #9 (permalink)
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Default Re: For those of you who have claimed from Smile

barclaycard and capital one have closed my accounts lets hope smile don't too if this is the trend
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Old 29th August 2006, 14:31   #10 (permalink)
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Default Re: For those of you who have claimed from Smile

They didn't close mine.....I will continue to bank with them as they certainly seem the best of a bad bunch.
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