This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Sorry, can you give me a link to where you heard about us? Sure, Dave. Here it is: COMMENT Lenders Face Challenge Over Penalty Fees By Jane Mack (TMFJane) February 20, 2006 http://www.fool.co.uk/news/comment/2006/c060220f.htm?source=ioodftxt0010007 The BAG is mentioned and finding you with Google was a doddle! Great site too, the Fool! Anna

Sorry, can you give me a link to where you heard about us? Sure, Dave. Here it is: COMMENT Lenders Face Challenge Over Penalty Fees By Jane Mack (TMFJane) February 20, 2006 http://www.fool.co.uk/news/comment/2006/c060220f.htm?source=ioodftxt0010007 The BAG is mentioned and finding you with Google was a doddle! Great site too, the Fool! Anna

Hello, everyone - New here and soooo glad I found you, thanks to the Motley Fool site. I bank with smile and I have had the same problems with exceeding the agreed OD and being charged ridiculous penalties. So far I've always been able to get the money back by calling and telling them that I did not accept their charges because no attempt was ever made to notify me of the fact that my account was OD. Given that we also run a savings account and two ISAs with them, it would have been easy to switch funds, had I been informed. If they charge £5 a day for "admin. charges" why can't they send an automated warning e-mail as soon as you overstep the limit? Or do they seriously expect people to log in every day?! I chose smile because I wanted flexibility!!! Anna

Hello, everyone - New here and soooo glad I found you, thanks to the Motley Fool site. I bank with smile and I have had the same problems with exceeding the agreed OD and being charged ridiculous penalties. So far I've always been able to get the money back by calling and telling them that I did not accept their charges because no attempt was ever made to notify me of the fact that my account was OD. Given that we also run a savings account and two ISAs with them, it would have been easy to switch funds, had I been informed. If they charge £5 a day for "admin. charges" why can't they send an automated warning e-mail as soon as you overstep the limit? Or do they seriously expect people to log in every day?! I chose smile because I wanted flexibility!!! Anna