19th June - Secure message received - offering an amount which does not take the 'commission' into account and also taking off £10 dpa. Th 'commission' bit was my fault as when I was calculating it, I thought that charge was from something else and I left it off the original figure. (i have since corrected this with them). The £10 dpa I believe from this site, I am entitled to it back. 19th June - Secure message asking for full figure

First of all I am so grateful for this site and the help it provides, many years I have been frustrated with bank charges and bank's unbending attitude. It used to be that a phone call or failing that a nicely worded letter would let you off each charge but then a few years ago, they must have had a policy change and nothing would work - This site brings hope. I've duly read the faq's and have started my journey. As they all seem to be different and I get comfort/support from reading other journeys - I thought I would document mine. 10th April - DPA letter sent 27th April - confirmation letter back saying 40 days starts from now End of May - Statements come back, total they owe me is £350, I'm claiming the lot as I do not see how £5 daily service charge is justified, and don't even start me on 'commission' 5th June - I sent a secure message "disgusted blah blah blah give me my money in 5 days", I was hoping they would see where this was going and just pay, naive I know but I also wanted to buy myself time to read all on this site 6th June - message back saying they are looking into it 12th June - Sent message saying this is going nowhere and I will be writing to you formally about this 12th June - standard first approach for money sent giving them 2 weeks My next steps message and phone calls generally letting them know I will not let go. Will keep you posted

I don't know for sure, but I always thought they deducted at roughly the same time each month, but that could be as always always skint at roughly the same time each month. - I am awaiting details from them following my initial DPA letter so will check.

I made the same point to Smile during a long exchange of messages, more to waste their time as I had given up any hope of getting the charges back - that is until now They gave their usual fluffy answer of 'you had enough time to get adequate funds in' but to me it does seem like a deliberate policy for revenue growth