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Rob v Smile


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Partial Success! Following Caro's advice I wrote to the bank via both snailmail and secure message. They rang me and I offered to have a reducing overdraught facility - by £20 a month - to which they agreed! As the 40 day deadline for their replying to my S.A.R. is at the end of this month, (Nov) I'm not too worried about that condition :)

I've since had 2 (standard - type) letters assuring me that "my complaint is being looked into"

 

This seems to be something Smile are more than willing to do, My overdraft with them hit 800 at one point and they suggested the same thing to me, sliding it down by 25 a month until it was back to its original 500 thus avoiding charges. As luck had it I started a DMP with CCCS at the same time so everything worked well together, and I have managed to not use the overdraft facility since (a couple of successful claims has helped) :D

 

I've said this before and I'll say it again Smile are one of the most helpful banks I have ever dealt with.

 

Now I must run off and see if that credit has cleared into my account yet so I can make a another donation to the site :)

  • Haha 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

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