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mrsrachel

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  1. Hello - I have returned for fight battle 2, this time against Abbey. I had planned to do this at the beginning of the year but they have not annoyed me enough until today when they want to charge £230 this month for various charges on their new and improved system! Being the filer that I am and never getting rid of statements I have the 6 years going back and last time I calculated it was over £500 - although after this month I may be closer to a grand. When I did speak to someone last week, they said they could do nothing but gave me an address to send my letter to and said that nothing could me done at this stage as they are awaiting for the court's decision on unfair bank charges, but to get my letter in and then I will be in their system so to speak. So all I really need to know is how the 14 days response works on the prelim letter in light of what I was told? Hope this makes sense.... Also not sure how am going to come up with £230, spent 15mins waiting to speak to someone there tonight but no pick up so will try tomorrow, if they charge me and take me over agreed OD again am going to be charged left right and center any advice on how to approach them on this??? Many thanks Rachel SUCCESS - Smile £750 - January 2007 - 3 weeks after Prelim Letter sent
  2. Unfortunately we still have a small amount of a loan outstanding with them. But am sure if funds came our way we would pay that off and be rid of them completely! In reference to my next claim against abbey which I am concerned about - need to go back and check on forums - is banks/building soc turning nasty. We have our mortgage with abbey and would hate to do anything to jeopodise that. I know Smile were pretty quick off the mark in wanting to reduce our overdraft once we started an action. Not too bothered about that with Abbey, just concerned whether when our mortgage comes up for renewal they may be funny...;-)
  3. SUCCESS!!!!! OK - we were a bit slack and never got round to sending our LBA. To be honest it was all ready to go but what with christmas period being so hectic, it was put on the back burner, aimed to send it out tommorrow. We did receive a second letter from CO-OP/SMILE dated 18 December saying still havent completed their investigations but today dated 27 December - full refund of charges have been put into our account!!!! Fantastic news!!!! So I think I may start on Abbey now...
  4. Hello newish person here, following on from my orginal posting on the website main forum ... but firstly would just like to say what a massive help this website has been in our fight for justice!! We are in the process of trying to claim back just under £700 in charges that have been put on our smile account in the last 5 months, these charges that initally took us over our agreed overdraft limint and have just kept mounting up. Smile's daily excess charge of £5 a day has really hit us hard. Not really the sort of news you need before christmas. Anyway we presumed the account was ticking along nicely. the only payment coming out of it was a loan due to them of £66, we were paying in £100 - so in a naive minds we thought wew were not only paying off the loan but also paying off the OD slowly (£500) but due to problems with access, and definitely NO communication from SMILE to inidcate a problem we have only just realised the charges. This occured on 4 December - three phone calls later we were getting no where, apparently daily excess charge is where our account has been moved to debt management (why werent we told???!!) and instead of it being checked by computers daily it is being checked manually(!!). 5 December - sent off letter asking for refund, giving them 14 days to respond (also secure message sent through their rubbish complaints system) 12 December - received letter dated 8 Dec saying they are looking into it - saying they will respond within 7 days. 15th is today - should have heard from them .... but 3 days to go till our 14 day deadline is up.... is it worth putting in a call monday before we proceed to step 2??? Thanks
  5. Ah thanks - just hope we do get it all back, seems a hell of a lot. Typical isnt it just when you think you are getting on top of everything!! Will keep posting updates
  6. Hello new person here Firstly just like to say this website is fantastic and has been a real help in understanding what we need to do to claim back nearly £700 in charges that have been put on our smile account, charges that initally took us over our agreed overdraft limit and just kept mounting in the last 5 months. Smile's daily excess charge of £5 a day has really hit us hard. Not really the sort of news you need before christmas. Anyway, we thought the account was ticking along nicely. The only payment we are making out of it was for a loan due to them of £66, we were paying in £100 each month, in our niave minds thought it was paying off the loan and slowly paying off the overdraft (£500) but due to problems with access and no communication from Smile - we have only just realised the charges that have been put on. Understand a reasonable charge needs to be made but these have been totalling some months £170 (daily excess, service charge, debit interest) and this is all because they are adding charges onto their previous charges.... Three phone calls later we are getting no where. Apparently daily excess charge is paying for the account which is usually checked by computers(!) to be moved over to debt managers and for them to check it every day(?). We have received no correspondence (letter/email) from them during this period informing us that our account is going out of control, so am not sure what they are checking. Anyway, we have sent letter off today asking for refund of charges giving them 14 days to respond. I am really annoyed about it all and plan to stand firm .... just hope I can still feel like that next week.
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