Jump to content


Thunderpuss2k v Smile


thunderpuss2k
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5512 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

12/6/06 sent DPA SAR.

13/6/06 DPA SAR delivered.

12/7/06 Statements and notepads appear through door.

 

Will update this thread as I go..

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Total charges (10/03/03 - 21/06/05): £735.50

8% interest to date (for information only at this stage): £116.38

 

Prelim sent 12/07/06.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Oh forgot to mention here (it was in another thread).. they sent my £10 cheque back as apparently I hadn't given them instructions on where to deposit it. Looks like the DP person had sent it somewhere to deposit and forgotten to send instructions with it. Or something like that.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Letter this morning from Lee Saunders at the Smile Complaints Team. Looks like the standard template letter, sorry you've made a complaint, we'll get back to you, complaints procedure is on their website as they're regulated by under the FSA (eh? What's wrong with the Banking Ombudsman all of a sudden?)

 

Time is ticking as usual.. got until the 28th to respond before LBA.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

  • 2 weeks later...

LBA sent 28 July 06.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

I thought the 8% is only after court action, you just get overdraft interest back before that?

______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

Link to post
Share on other sites

I thought the 8% is only after court action, you just get overdraft interest back before that?

 

It is, that why I put 'for information only' next to it :)

 

I haven't mentioned the 8% interest in any of my correspondence with Smile - only the main claim amount.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

  • 2 weeks later...

14 days from the LBA is up today. And today, I received another letter.

 

Sorry you've felt the need to make a complaint, etc etc. From 'Jayne Jones' at the Smile Complaints team. Pretty much word for word as I got from Lee Saunders a while back.

 

Moneyclaim going in on Tues/Weds, as I'm going to give them a few more days.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

It looks like you're getting the same kind of response as I'm getting from Smile.

 

I just noticed today though that they say they will go by the timeframe set out by the banking ombudsman as set out on their website. This means that from the first complaint they only have 4 weeks to sort out your complaint, or you can escalate matters. This means that by the time your LBA 14 days are up, they should have resolved the problem.

 

I'm going to E-mail them on Tuesday saying this in the hope they'll settle before I have to go through the MCOL!

Link to post
Share on other sites

Well I've just put the claim details into Moneyclaim, and it's currently sitting at £947.29 (£745.50 of charges, £121.79 of interest and £80 court fee).

 

They've got til Tues or Weds before I push the button to submit the claim.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Claim submitted for total of £947.29

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

  • 2 weeks later...

I thought it only cost £30 to submit a claim, I haven't even got £80 at the moment,

 

good luck, it seems Smile are slowing down and people are starting to get to the claim stage n ow which is a pity as I have just sent my LBA.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

Link to post
Share on other sites

Hi Pugsley

 

Depends how much the claim is for:

 

up to £300

£30

£300.01 - £500

£50

£500.01 - £1,000

£80

£1,000.01 - £5,000

£120

£5,000.01 - £15,000

£250

£15,000.01 - £50,000

£400

£50,000.01 - £100,000

£700

£100,000.01 - £150,000

£900

£150,000.01 - £200,000

£1,100

£200,000.01 - £250,000

£1,300

£250,000.01 - £300,000

£1,500

over £300,000 or for an unlimited amount

£1,700

 

 

Hope that helps :)

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

thanks that is really useful, was just looking for that! I think I can get away with no charges as although I'm claiming housing benefit my income is a bit less than the threshold for income support and I would qualify for this benefit if I could face claiming for it. At the moment I'm about to fund myself through the last term of law school so it isn't worth me claiming income support.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

Link to post
Share on other sites

  • 2 weeks later...

Just a quick update, they acknowledged the claim on 25th August.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

good luck, I think I will be issuing a claim within the next few days too, even though I have only asked for £120.00, Smile have become lax it seems.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

Link to post
Share on other sites

Oh it's a shame they are letting us get to the MCOL stage - any ideas why - is it because they have so many, or they're hoping we'll back down?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Oh it's a shame they are letting us get to the MCOL stage - any ideas why - is it because they have so many, or they're hoping we'll back down?

 

Maybe a bit of both? A little dissapointing...

Current projects:

 

First Direct

MCOL Filed 24/9/06

£3116.60 including 8% interest

Offer from DG £1618.30, 3/10/06. Accepted as Partial Payment Only - pursuing remaining ££££

Offer for £3236.60 (full amount, plus court charges) from DG 10/10/06.

Accepted, crossed out confidentiality clause, funds cleared. Thanks to all for help and support.

Barclaycard

MCOL Filed 4/10/06

£1370.22 including 8% interest

Payment of £216 (:lol:) received. Settlement politely declined...

Allocation Questionnaire received 8/11/06

 

Smile

Prelim sent 23/09/06

LBA sent 27/10/06

£2435

Payed in full, just before MCOL, 17/11/06

Link to post
Share on other sites

  • 2 weeks later...

Smile have filed a defence, as soon as I get a copy I'll post it in here.

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Who knows, but they had four days left to file the defence before the time ran out. Nothing like cutting it fine eh?

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

Defence turned up this morning, it says they've already paid it. Then I opened another letter to find a cheque for the full amount.

 

:)

If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Link to post
Share on other sites

does that include interest and costs? Well done!!

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...