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I'm actually quite surprised how much information they did send through considering they're an enviromentally friendly company. Mind you, I did ask for all of it!

 

Quite interesting to see all the call log for things like them calling me up offering me loans and declining. Funny to see a few saying "customer disconnected mid call" lol. How rude of me! :)

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Received my statements on the 26th and have posted off my Prelim letter today.

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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  • 2 weeks later...

Nothing received (apart frm the standard, thanks for your complaint letter), so the LBA has now been sent.

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Well, week in, week out I get paid via CHAPS to my Smile Current account - the money's in my account by close of business Monday. Now, for the first time ever, no salary. No, I've not been sacked, and I've even had confirmation from my employers that I've been paid. Seems odd that this first time is just after sending the LBA! Come on Smile, play fair...

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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hi...

Fortunately my company 'fessed up to being late getting the CHAPS payment in so it was a day late. I guess I was too quick to point the finger at Smile on this occassion!

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Clock ticking. I've sent Smile a secure message prompting them to get their finger out. No reply as yet :(

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Well, got my reply:

 

"When dealing with any complaints we receive we work to timescales set by the Financial Services Authority. Due to the volume of similar complaints we've received we're unable to respond to dates set by customers.

 

In line with the above mentioned timescales you should receive a reply to your complaint within 8 weeks of us receiving it. If you choose to take your claim to the small claims court before you receive our response, please send it to the following address:

 

Vivien Calderbank

Legal Services

19th Floor

CIS Miller Street

Manchester

"

 

Is this the same address that other people have been using?

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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Oh you had better wait for 8 weeks then because you are only a customer and can't expect them to do things as you want.

 

On second thoughts, stick to your timetable.

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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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:lol:

SMILE VISA & CURRENT 15th August - Data Protection Act sent

MBNA VISA (3 of them) 21st August - Data Protection Act sent

 

MBNA 21st September - S.A.R - (Subject Access Request) data + Good will gesture received.

SMILE 26th September - S.A.R - (Subject Access Request) data received.

 

MBNA 28th September - Settled in full with compound interest!!!

SMILE 28th September - Prelim Letter sent

SMILE 12th October - LBA sent

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