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My first time....


andyhargreaves
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Well, I've been lurking around here for a while and put my 2p worth in some other threads, but I've sent off my own S.A.R - (Subject Access Request) letter to smile today. From the statements available online I've added up around £900, so should be worthwile getting older statements from them. Will post progress here as we go along.

 

Am a little concerned about them closing the account and demanding the overdraft is repayed, as (like lots of others on here) I actually quite like them most of the time, and it would be a shame to have to move. I have already got a parachute account open and ready just in case.

 

Let's hope I have cause to make a donation very soon, as this site sure deserves it!!!

 

Andy

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

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S.A.R - (Subject Access Request) acknowledged today (18/08/06)

 

Tick-tock...

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

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There have only been a very few smile accounts closed Andy, and not usually because of making a claim, although it is as well to be prepared.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That's good to hear.

 

To top everything off, I checked my smile a/c online this morning and found they'd hit me for £50 more "daily excess charge" and £15 "service charge", despite my account being more than £100 below o/d limit... One annoying phone call and one confused Smiler later they've managed to correct their mistake, "Oh but it's stated in our terms and conditions... You agreed to when you opened the account" etc. Took him 8 minutes to observe that I hadn't breached o/d limit. They are obviously so used to dealing with people disputing the charges that's what he assumed I was getting at!

 

Wonder how long my statements are going to take to arrive??

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

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  • 5 weeks later...

OK, they arrived this morning with a resounding thud on the doormat.

 

Prelim letter sent for £2435 this morning.

 

Hopefully I shall be smiling soon!!

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

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  • 2 weeks later...

Got acknowledgement from Lee Saunders dated 03-10-06, letter also telling me how to complain....

 

Andy

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

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  • 2 weeks later...

Looking into some other threads here, wondering if Smile are biting back a bit. My wife (it's a joint account) had a voicemail message from someone at "The Cooperative Bank" yesterday. Not sure why - there's no real reason for them to contact us, except that it's now LBA time....

 

Andy

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

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I've been wondering about calls and voicemail messages and the appropriate response to be taken.

 

While I accept the view of Caro expressed elsewhere on this site that it is best to stick to written communication I cannot help but be concerned that it is reasonable for the bank to attempt to communicate with you by telephone. This may lead to it being seen as unreasonable for you not to call them back and its best to act reasonably in your dealings with the bank.

 

I feel that the most appropriate solution to this would be an additional paragraph in the closing of all letters sent (prelim, LBA etc), something along these lines:

 

"While I seek to bring this matter to its conclusion at the earliest opportunity I am also acutely aware of the evidential value of any communication between us, therefore I respectfully request that such communication should all be in written form. If you call me in relatoin to this matter I will endeavour to accept or return your call but only so as to remind you of this request."

 

I am not a qualified solicitor so I cannot be sure of the value of this suggestion, it seems to me to be a sensible approach to pre-empt the telephone problem and give you a reasonable response in the event that the bank does call you.

 

Any views?

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OK, no panic. As it goes, the message was regarding something unrelated and trivial, so no matter.

 

I agree with bnoc though, there can be no end of problems proving who's said what on the phone, and recording conversations isn't always easy, especially if the bank calls you. I have had this issue with smile with previous issues, and it can be very awkward. I think we should be encouraging people to insist on written communication and recorded delivery to ensure these problems do not arise.

 

Andy

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

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  • 2 weeks later...

Sorry, forgot to update here. LBA was a few days late, so sent on 27/10/06.

 

Tick tock

 

Andy

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

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  • 3 weeks later...

Well, better late than never. Just about to file MCOL and checked account. Smile payed full amount in yesterday, so now SETTLED IN FULL!!!

 

Thanks for support.

 

Andy

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

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Share on other sites

Congratulations Andy.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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