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This is my first post here, although I have been browsing for ages.


I would like to say thank you for giving me the confidence to make the first small step to recovering my bank charges. I rang SMILE this morning and told them my intention, asked if I should write a letter or use the electronic messaging system (which seems VERY reliable when THEY are chasing ME - so theoretically it should work the other way around eh?) and got a positive response from the guy I spoke to who told me that they would probably refund the charges pretty quickly. So far so good!


So, thanks very much. It's a relief to know that I can at least make steps towards getting them off my back as any refund I do get will go towards paying off my credit card.. it might even be enough to pretty much settle it.




Ms Beepers!



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Well done for getting started - start a thread in the Co-op forum to track your progress and ask any questions in.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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