amejelo
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no, i have an hsbc current account so no worries there. i was more annoyed that they have decided they want my credit card account closed as well as my current account - i thought that was a seperate agreement?
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I don't really know, in my case they first of all gave me 30 days to close my current account and only when i asked them to clarify that it didn't include my credit card or personal loan they said 'we also want your credit card'. I thought it was a seperate agreement too but to be honest i'm at a stage of tip toeing around because no matter if it is unlawful i can't afford for them to ask for my loan or credit card balance back at once. I already have a parachute account with HSBC but i effectively lost all the charges i claimed back through paying off my smile o/d when they told me they intended to close my account, which is fine, but i can't possibly cope with c/card and loan too! all i'd say is be careful, i claimed a relatively small amount (£500), didn't incur any more charges and then was informed i was misusing my account. My partner, has a worse record than me and has claimed back £700 in charges and they haven't closed her account. Go figure, who knows what goes in in their heads! good luck whatever you decide.
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Claim but change your account this time. they closed both my current account and credit card account 8 weeks after my first and only successful claim for a meagre £500. I reckon you're probably on think ice so if you can't afford to have them close your account(s) i'd think twice.
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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). be warned, they try and claw it back somehow!!!!
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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). be warned!!!!
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VICTORY!!!!!!! On Saturday I got a letter offering the charges refunded (£710) as a gesture of goodwill. Hurrah! Excellent site - i will be making a donation! Cheers
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bit of an update... 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...
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Hi, 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....
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