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amejelo

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  1. 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?
  2. 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.
  3. 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.
  4. 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!!!!
  5. 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!!!!
  6. 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
  7. 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...
  8. 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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