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debug77

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  1. debug77

    debug77 v Smile

    Well, got my reply: "When dealing with any complaints we receive we work to timescales set by the Financial Services Authority. Due to the volume of similar complaints we've received we're unable to respond to dates set by customers. In line with the above mentioned timescales you should receive a reply to your complaint within 8 weeks of us receiving it. If you choose to take your claim to the small claims court before you receive our response, please send it to the following address: Vivien Calderbank Legal Services 19th Floor CIS Miller Street Manchester " Is this the same address that other people have been using?
  2. debug77

    debug77 v Smile

    Clock ticking. I've sent Smile a secure message prompting them to get their finger out. No reply as yet
  3. debug77

    Nexus v Smile

    Congratulations!
  4. debug77

    debug77 v Smile

    hi... Fortunately my company 'fessed up to being late getting the CHAPS payment in so it was a day late. I guess I was too quick to point the finger at Smile on this occassion!
  5. debug77

    debug77 v Smile

    Well, week in, week out I get paid via CHAPS to my Smile Current account - the money's in my account by close of business Monday. Now, for the first time ever, no salary. No, I've not been sacked, and I've even had confirmation from my employers that I've been paid. Seems odd that this first time is just after sending the LBA! Come on Smile, play fair...
  6. debug77

    debug77 v Smile

    Nothing received (apart frm the standard, thanks for your complaint letter), so the LBA has now been sent.
  7. Ahhhh sorry, I understand now. Good question. When I was looking through my statements I couldnt see any credits that were the opposite of my charges. I've never asked them to refund charges before so I wasnt really expecting any so I'm not entirely sure what they'd list them as. On my MBNA account my refunds have been listed as "ADJUSTMENT TO BALANCE" so perhaps something similar? Sorry thats not much help!
  8. Hi... Smiles charges appear as items such as "Late Payment" (on credit cards) and as "Daily Excess Charge" and "Service Charge" on current accounts. I believe they also sometimes use "Commission".
  9. debug77

    Roberto vs MBNA

    I had to wait for the SAR data to arrive and when they did reply they included all a list of all of their charges and offer me a goodwill payment of 50%, and basically said the cheques (I have three accounts) will be sent out. I called them after I had that information and firstly thanked them for the payments so far, but pointed out that the goodwill payments were only 50% of the total figure, and that there was no mention of compound interest. I think they pretty much know the drill by now!
  10. Excellent! Nice result. My charges were also settled with a swift phone call to, a very helpful, Paul Miney saving a lot of time and hastle!
  11. debug77

    debug77 v Smile

    Received my statements on the 26th and have posted off my Prelim letter today.
  12. Used the forum's spreadsheets to work out interest etc... and was ready to post them but a few fellow CAG'ers suggest I call them instead. Well, I finally got round to calling them today and they've made me an offer for the full amount including compound interest. Fantastic result. It's being paid straight into my account (that I currently have a balance on) but that's good enough for me! Thank you for everyones help and advice!
  13. debug77

    Roberto vs MBNA

    Indeed, I just called them regarding my MBNA accounts, and have been offered a settlement figure which included compound interest etc...
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