Un1boy v Co-Op **SETTLED IN FULL**

[un1boy]

Hmmm....went about 20 quids over my overdraft the other day and credited it straight away, got ym smile statement and no mention of any charges - not even debit interest (which they are entitled to take!)

 

How strange?

[un1boy]

If you use the sites spreadsheets and add all of the charges on, and treat the refund as a minus figure, it will also deduct the interest I believe.

 

Do you put the dates in too? Because it takes away the daily interest amounts. It shouldn't take the daily interest away, should it? It just shuoldn't be included!

[un1boy]

Hiya, received this letter yesterday:

 

__________

 

Dear Un1boy

 

Account number: xxxx and xxxxx

 

Thank you for your recent correspondance. I am sorry you have had to write to us.

 

I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

 

After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwill on this occasion only. This will appear as a credit on your next statements.

 

I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah

___________

 

so, the long and short of it is I've won!!!!! :D

 

now, do I leave it at that, or should I write and ask for my costs towards the DPA request and recorded delivery too?! lol.

[un1boy]

Hiya, received this letter yesterday:

 

__________

 

Dear Un1boy

 

Account number: xxxx and xxxxx

 

Thank you for your recent correspondance. I am sorry you have had to write to us.

 

I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

 

After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwill on this occasion only. This will appear as a credit on your next statements.

 

I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah

___________

 

so, the long and short of it is I've won!!!!! :D

 

now, do I leave it at that, or should I write and ask for my costs towards the DPA request and recorded delivery too?! lol.

[un1boy]

ok, not heard anythign from them about my prelim - got this secure message from "Manager" today though:

 

Dear Un1boy

 

I'm sorry that we haven't been able to respond to your complaint.

 

At the moment we are still looking into the issues you've raised regarding charges. As soon as we've made a decision about this we'll be able to send you a full response.

 

We hope to be able to send you this shortly, but if there are likely to be any more delays, I'll be sure to let you know.

 

Regards

 

smile Complaints Team

 

PS - For full details of our complaints procedures go to Redirecting to Smile Production Site, click on 'talk to us' then click on 'complaints' on the right hand side.

 

Whatever - you've got the 14 days my LBA gave you, then MCOL will be issued!!

 

Just received this re; my CO-OP accounts (NOT my Smile account!!)

__________

 

Dear Un1boy

 

Account number: xxxx and xxxxx

 

Thank you for your recent correspondance. I am sorry you have had to write to us.

 

I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

 

After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwill on this occasion only. This will appear as a credit on your next statements.

 

I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah

___________

 

so, the long and short of it is I've won for my other accoutns!!!!! :grin: :grin: :grin:

 

now, do I leave it at that, or should I write and ask for my costs towards the Data Protection Act request and recorded delivery too?! lol.

 

In terms of Smile - why are they doing this now, by making us go to MCOL?! lol. i received the above letter after my LBA. It'll be interesting to see how Smile deal with this.

[un1boy]

I went over my OD by accident the other day (first charges in 18 months!) and I sent a secure message asking if I'd be charged because I transferred the dosh that day. Got one back saying this:

___________

I've checked and can see that you have exceeded your agreed overdraft limit for 1 day. As such you will have charges, which will debit on the 21 of October.

 

At the moment the charge stands at £20.00.

 

The charges for going over your overdraft limit are:

 

- £15.00 service charge (this is for going over the agreed overdraft limit)

 

- £5.00 daily charge (for every day you're over your overdraft limit).

 

Our charging period runs from the 5th of one month to the 4th of the next month, with the charges applied on or as near to the 21st of the month as possible.

__________

 

So I sent one back saying that how can I get charged for one day going over, when it was actually about 2 hours? The last line of my message said, "I was under the impression these charges are unlaawful."

 

Hmm...let's see what they have to say to that!! lol

[caro]

Congratulations un1boy. Looks like you are doing well with your claims.

[caro]

You are on a roll now. Well done.

[un1boy]

Thanks Caro - yes, I am doing ok. How are all your claims going?

[un1boy]

Hehe, thanks - how are yours going?

[caro]

Smile paid up no problem, but need to do round 2 as had more charges.

Not got round to doing MCOL for Alliance and Leicester.

Yorkshire Bank case stayed for 30 days so we can settle. 10 days left and not a word.

Revenge will be mine though.

Thanks for asking.

[un1boy]

Smile paid up no problem, but need to do round 2 as had more charges.

Not got round to doing MCOL for Alliance and Leicester.

Yorkshire Bank case stayed for 30 days so we can settle. 10 days left and not a word.

Revenge will be mine though.

Thanks for asking.

 

Hey, no problem!

 

When did you do Smile? Was it recently? From what I can gather, they used to be quite good, but now they are making us issue MCOL!!

 

I'm just sending Co-Op a bill for the psotage and Data Protection Act costs, hehe!!

 

Do you win by default if they don't reply after the stay?

[un1boy]

It's gonna be weird soon though, shoudl have all my charges back by around xmas and then I won't have anymore cheques or whatever to receive. I won't be receiving so much post, that's for sure!

[caro]

Hey, no problem!

 

When did you do Smile? Was it recently? From what I can gather, they used to be quite good, but now they are making us issue MCOL!!

 

I'm just sending Co-Op a bill for the psotage and Data Protection Act costs, hehe!!

 

Do you win by default if they don't reply after the stay?

It is in my sig and I also had threads. I have heard that Smiles complaints team is really tiny and I think they just can't keep up.

 

As for Yorkshire Bank I wish it was that simple. I would then have to wait for a date from the court. They are a nightmare. I have a thread in that forum if you want to know more.

[gargoil]

Get into them! I had a charge after I started court proceedings but got the court papers back as I hadn't specified a specific sum so can now add it in but they will no doubt add more in the future. They have remove dmy online access so I am now unable to keep track of these! Bar stewards!!

 

PS I got the same secure message you have written out in post 15 when I enquired at the end of LBA stage.

[un1boy]

Ok, I'll check your thread out!

[un1boy]

Ahh, right, well I got the reply in post 15 after m LBA too - so long as they don't remove my access, I'll be ok.

 

Are they allowed to do that? It's an online account and you won't be able to keep track of your account.....

[un1boy]

Bit cheeky but worth a try. I'm sending them this:

_____________

Thank you for your letter dated 26th September 2006 and for refunding the charges requested. I am writing however to request you to refund the costs I incurred due to this. My costs are set out as follows:

 

 

£10.00 DPA request

£4.00 Recorded Delivery Costs

 

 

Total costs = £14.00.

 

 

I am happy for these costs to be refunded to 089300 75107527 within the next 14 days.

 

 

I would appreciate if you can confirm how the refunds will appear on both of my statements, both the charges and my costs.

 

 

Thank you for your time and effort.

______________

What you think?

[Glenn UK]

If its of any use i sent MBNA a schedule of costs and charges i wanted to reclaim, it included the S.A.R - (Subject Access Request) fee, fees for the letters I wrote, postage and of course the charges, interest id paid and contractual interest.

 

Oh and they paid it all too.

 

HTH

 

Glenn

[un1boy]

Hi Glenn,

 

Thanks for this. How much did you charge for your letters?

 

and what's the difference between id and contractuaral interest?

[un1boy]

I handed the costs letter in and asked for a receipt. They didn't know what to do or how to give me a receipt, but a lady came over and wrote on a comp slip and signed it.

 

She asked me who Ann Walker was and I explained that I was writing a reply direct to a letter that she ahd written.

 

The receipt lady opened my letter and read it!!!!!

 

Is that allowed? I thought that if you opened mail addressed to another person it's a criminal offence?

 

I thought it was soooo rude!

[Glenn UK]

Re the letter charge I charged 6.75 per letter plus postage.

 

If you have been meticulous about the time you have taken in prepareing all the information and working on your claim you could apply a timecharge of 9.25 per hour.

 

IMHO the letter charge is easiest and is easy to demonstrate, i.e. just show the letters sent and count them.

 

Re interest id paid, its interest I had paid (id =I'd or I had)

 

HTH

 

Glenn

[un1boy]

Hiya,

 

I didn't knwo that, damnit!

 

I've only claimed back the £1 for recorded delivery. Nevermind though, I'll remember for next time!!

 

Do you put it in the particulars of claim?!

 

I've not been maticulous, so it's 6.75 plus postage from now on then!

[Glenn UK]

Hiya,

 

I didn't knwo that, damnit!

 

I've only claimed back the £1 for recorded delivery. Nevermind though, I'll remember for next time!!

 

Do you put it in the particulars of claim?!

 

I've not been maticulous, so it's 6.75 plus postage from now on then!

 

NO i dont htink you would put it in the POC, you would prepare a schedule of costs should you win to ask the court to consider.

 

IF you dont get to court then you can ask for it if you feel its worthwhile.

 

JMHO

 

GLenn

[un1boy]

Oh right cool, well I've sent the one above. I forgot that it's actually £8 for postage becasue I sent the two accounts letter seperately. Nevermind though, the othr £4 I'll leave.

 

What are your opinions about the lady opening my letter - does that breach the DPA?