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trianglehead

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About trianglehead

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  1. OK, now I'm really wound up... On Wednesday my account went £19 over the overdraft limit and I transferred £20 from my ISA as soon as I noticed this (the same day) to keep the balance within its -£500 limit. When whaddya know, today, there is a charge of £25 blankly labelled COMMISSION. I phoned cust. services this afternoon and was quite curtly told that this charge was for "card misuse", for a transaction which took me over my limit. I was really expecting they would agree to give the £25 charge back. Now as I have been 'redlining' a bit lately I've had a few debit card transactions (supermarket etc) declined at the point of sale so why on earth not this one? I should point out that the money was charged to my account several days after the transaction as is often the case with debit cards. I successfully got back about £800 from Smile about 6 months ago and I've had about another £250 in charges in the last 3 months. After they settled last time, they made a cryptic warning that "if I make any more claims for refunds then my banking arrangements might have to be reviewed". I'm not frightened by this as I know I am morally and legally on firm ground. If they take away my o/d or close my account I will just go elsewhere, happily. I have a large credit card balance with smile, but understand that they would not demand this back as it is under a separate agreement. I am waiting a few more weeks when my finances will be a little better and then I intend to send another LBA, and begin another claim. I'll keep you all posted, and thanks for your help in the past! trianglehead
  2. ...by then the RBOS had taken a lot from me in charges. ...In fact around £200-£400 each year. Should I go after these? I know I can only claim up to 6 years ago. Can I claim? Is it much harder to do this - I have kept ALL of my account statements so I can get straight to the point with them. Sorry if these questions are covered in the FAQs, I did read most of them a few weeks back. I'm buoyed right now after successfully getting charges back from Smile, my (current) current account "provider". Thanks for your help, this forum is (as everybody knows) fantastic. Trianglehead
  3. After successfully receiving 2 weeks ago all of the charges detailed in my first letter (sent a month ago), I had to remind them via another "prelim" letter that I still required the repayment of several charges taken in the last month. Well... Today I received an interesting secure message... I've arranged for a refund of the £xxx to your account. I've also cancelled the pending charges, totalling £x, due to be removed on xxx xx. The charges applied to your account have resulted from breaches of our terms & conditions. I need to let you know that, if future requests for the return of charges are received, we might need to consider a review of your banking facilities in light of this. A threat - but it is an empty one - can they do this?? I was just getting geared up to go after the charges on my Smile VISA. What do you think? Maybe I should leave it there. I think I do want to continue to bank with Smile. Trianglehead.
  4. After getting most of my current account charges refunded (and I've sent a preliminary letter asking for the rest), I am thinking about claiming the charges on my Smile VISA over the last few years, which I think will be a small but significant sum. Unfortunately I wasn't as meticulous in printing out statements for this account so I'll have to send them the DPA letter and £10. Do I address this to the same address / person as for my current account, or are smile VISA credit card srun by a different department / address? Also - I noticed that all of my overlimit charges have been £25 apart from the most recent one (last month) which was £11. Has anybody noticed this - and what might be the reason for this ? One more thing - the amount of charges I will claim on my VISA is small compared to it's large balance, which I will not be able to repay for a very long time... I'm worried that if I keep annoying Smile with my requests that they will recall the balance on my credit card - which is a terrifying thought, I don't know what I would do. What are people's thoughts or experiences with this? Hope one of you kind folk can help me again. trianglehead
  5. RESULT! Sent the LBA (adapted to my personal style) on Friday and Charges returned to my account "ADJ. INTEREST" of £630.50 today. I am so happy.... and would be glad to leave it at that... but... The amount refunded did not include the debit interest which I detailed (another £44), and only included the charges from the opening of my account 3 years ago up until when I sent the first letter. How very crafty of them. When I sent the LBA 2 weeks later, there had been an additional £105 in charges (mostly "Commission unpaid items") on my current account because I was in a tight spot(no wonder). In fact since I sent the LBA this figure has gone up to £155. I'm not bothered about them not giving me back the interest although I'd be delighted to hear any particular idea why this might be - i've read conflicting views on the forum about this and I'm a little confused. Should I go after the £155? These charges were all made in the last 2 weeks which is taking the p*** a little I think, and morally wrong as they were blatantly exploiting my financial difficulty. I am self employed and sometimes wait a month or longer for payments to come in, that is one reason why I have got into difficulty and incurred these unlawful charges. I want to go after the remaining charges, how exactly should I do this? In one way they have been very "co-operative" and I'm happy about the outcome, but I still feel aggrieved in another way. Good luck to all of you behind me in the queue - stick in there - you'll win. trianglehead
  6. Hi everyone I'm new here so apologies for the long post, but bear with me and I'll let you hear about my case; I found this forum a month or so ago, had a good read of all the advice and backed away as it seemed too complex. A couple of weeks ago smile charged me £25 several times for "unpaid items" so I came back to the forum in a different frame of mind, and I decided to go for it, so I sent a letter to the Smile Balloon St. address on the 9 June asking for repayment of £674.78 in charges and interest they have taken in just over 3 years since I opened my current account with them. (there was no need for Data Protection Act request as I had printed off copies of all my statements). well... one week later received this disappointing reply in the post: "sorry you've felt the need to make a complaint. ...we're looking into it and a member of our complaints team will get back to you with a full response. ... be aware of our complaints procedure... blah... blah.." I guess this means they're considering what to do. It's just three days now until the 14 days is up and I have the Letter before Action typed up ready to go at that point. Since the initial letter they have taken another £50 in charges, and now the total amount is close to the £750 small claims limit in Scotland (I'm in Edinburgh). Is it OK to send them a revised charges schedule to include these recent charges, along with the LBA? I've been reading ahead the process for a claim through Sherriff court in scotland and this is where my 2nd request for advice comes in - on the example forms cited by forum member scotia I might need to fill in the "name and address of person against whom claim is being made (defender)". As it's Smile, I don't have a bank manager's name to put here, so what would be correct? Would be hugely grateful for any advice, and I'll keep you informed of my progress. Cheers trianglehead
  7. Hi everyone I'm new here so apologies for the long post, but bear with me and I'll let you hear about my case; I found this forum a month or so ago, had a good read of all the advice and backed away as it seemed too complex. A couple of weeks ago smile charged me £25 several times for "unpaid items" so I came back to the forum in a different frame of mind, and I decided to go for it, so I sent a letter to the Smile Balloon St. address on the 9 June asking for repayment of £674.78 in charges and interest they have taken in just over 3 years since I opened my current account with them. (there was no need for Data Protection Act request as I had printed off copies of all my statements). well... one week later received this disappointing reply in the post: "sorry you've felt the need to make a complaint. ...we're looking into it and a member of our complaints team will get back to you with a full response. ... be aware of our complaints procedure... blah... blah.." I guess this means they're considering what to do. It's just three days now until the 14 days is up and I have the Letter before Action typed up ready to go at that point. Since the initial letter they have taken another £50 in charges, and now the total amount is close to the £750 small claims limit in Scotland (I'm in Edinburgh). Is it OK to send them a revised charges schedule to include these recent charges, along with the LBA? I've been reading ahead the process for a claim through Sherriff court in scotland and this is where my 2nd request for advice comes in - on the example forms cited by forum member scotia I might need to fill in the "name and address of person against whom claim is being made (defender)". As it's Smile, I don't have a bank manager's name to put here, so what would be correct? Would be hugely grateful for any advice, and I'll keep you informed of my progress. Cheers trianglehead
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