Well I sent my letter on the 29th of January. I was about to send the LBA, but the whole £1165 I claimed has appeared in my account today. Wow. I've had to login three times to make sure I'm not imagining it.

Thanks for the replies. I am making a spreadsheet of Commission and Fees. I will leave out the sum that I agreed to only pay half of.

Hi Caroline, Thanks for your reply. Mine comes to about £1500. I guess I can work out when I was away. I just wanted to make sure I had an exact figure rather than write to them saying they owed me about £1500. Thanks for the tip about the covering letter.

Sorry to bump my own thread, but I'm really stuck with whether or not I have the right list of charges. Has anyone had a list that specifies what each individual charge is?

Hello I recently requested (by secure message) that Smile send me a list of default charges. I used a letter template from a different site (I only found this site today). They have sent me a six year breakdown of charges in six columns: Date – Commission – Credit Interest – Debit Interest – Fees – Tax on Credit Interest As far as I’m aware, they haven’t charged me for this. I’m having trouble working out which fees are for being over my overdraft. Some are Visa charges for using my card abroad for example. Does this sound like the same sort of printout that other people have been sent? If so, how do you work out what is what in the list? I once complained about a charge and Smile said they would only charge me 50% of it if I agreed. Can I claim that 50 % back or have I agreed that it was fair? Thanks in advance for any answers.