Received a cheque for £2389 on Saturday morning to cover my account, so that's both accounts refunded in full before having to register a claim. Thank you Smile, for doing the honorable thing in the end...

My girlfriend's charges were refunded in full today by Smile - 9 days after the LBA was sent. £1481.50 deposited straight into her current account. No word on mine yet, but each stage of proceedings was started on the same date so I have my fingers crossed... A donation is on its' way

It's all gone very, very quiet on my claim for £1,800... My SAR for charges was submitted 8th January and after several denials from Smile that they'd ever received the letters and a couple of complaints through secure messages, the lists came through on 2nd February along with my £10 cheque uncashed! Preliminary letter sent 12th Feb, and I received a standard "We're sorry you've felt the need to complain... keep checking your secure messages..." acknolwedgement by post on 15th, so nice fast turnaround then. However, since then - zilch. LBAs sent 27th February and I'm hoping this spurs them into action. From what I hear Smile are variable at which point they agree to settle, so I'm dug into my trench and prepared for the long haul. I'll keep you all posted - and thanks to everyone for the messages of support and advice!

Thanks for the advice. I think I'll round the fees down as - by also not going after the debit interest - it shows I've thought through my case rather than just returned the SAR with the LBA.

Hi, I've just received my SAR from Smile after fun & games with getting it in the first place (they'd lost the letter, didn't call back, didn't respond to messages - and then when I lose hope, my SAR turns up out of the blue with the £10 cheque uncashed). Anyway, I could do with a little guidance on what I'm most secure in looking to claim back... As I'm sure most of you know already the Smile SAR is not very granular - what I get is the list of total charges on each date, totalling: Commision - £1513 Debit interest - £113 Fees - £1137 Because of the nature of the SAR list and the fact it doesn't show a running balance, I don't see that I can tell which proportion of the Debit interest relates to either my fault or the charges. With that in mind, I'm inclined not to even include that in my claim. Fees is a given unless anyone can advise otherwise - I'll go straight after that amount. My question is really around commision; I understand that I can't claim for ATM charges (typically £1 or £2.50) but I can't identify these separately from the SAR. All I see is a total charge for a day. The bulk of the £1513 is obviously related to other charges. How have other people dealt with this? Should I submit a claim for the total value of the commision charge and see what the response is, or should I look for charges which aren't a whole £5/£10 and round them down to the nearest £5 to smooth out any ATM charges? Any advice would be very gratefully received! Ta, Richard

Just been referred here by a friend who is in the closing stages of recovering his charges; I'm just about to start the process of recovering over a good £1000+ from the Co-operative Bank. (The "ethical" bank...) I'll be sure to keep you all updated.