after a little to-ing and fro-ing about the overdraft smile have agreed to keep my overdraft at £2000. I've also received my bank statement copies and charges add up to £300+ so I'll be asking for the refund shortly. I think I'll use secure messaging as that seems to work well. so try asking nicely that they let you keep your overdraft, gforce.

Hi Guys. I started recovering my charges from smile with a secure message about a month ago. I got a letter from a customer advisor, sent on 10th August, acknowleging my request and confirming that the data would be supplied in 40 days. This morning I got a secure message saying they had reviewed my account and were going to reduce my overdraft from £2000 to £500 on the 3rd of october. I've asked them to reconsider but I think this is unlikely to be a coincidence considering that I've had the overdraft for years. All my charges came from during / after being a student and I haven't had any charges in about 18 months, so I dont believe I have been mis-managing my account. Like most people, I can't find £1500 to give to the bank in the space of less than a month. So I've removed all my savings to my wife's account at a different bank, and we'll see if smile are getting a bit shirty. Come on smile! I'm only trying to recover the unlawful charges you applied to my account! Great site and forum guys, I'll keep you posted. Good luck all. doooks.