thanks caroline - nice to know I'm not alone with the weird stuff - like your last comment too - probably true

Hi, I'm lizzie and new to the forum and have found the threads very interesting. Has anyone else experienced this? A few days ago I read my latest statement and was astounded to read that smile were going to charge me £15 & £5 for going overdrawn for 1 day - I immediately sent a secure message asking them to explain this as I had been within my agreed overdraft limit. First reply -quote"you have been charged as the debits that went out of your account on the 31/01/2007, left your account before the credit of £xxx(my salary). This is the way our processing works, debits will leave your account before credits come in. This is why we advise to have funds available in your account at least one working day before a debit is due to leave your account." I had to sent another 2 messages and wait a couple of days but finally got a reply today:quote"I'm sorry for the last message. This is incorrect. if you go overdrawn on the same day you go back in credit you don't get any charges. Looking at your account this £20 charges shouldn't be applied. I'm afraid we must have had a system problem" The second reply was fair enough but I found the first one disturbing. Anyone have any thoughts on this?