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Claiming while over overdraft limit ***WON***


Rhombus
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Hi,

 

I'm just about ready to make a claim from smile, for £925. However, I am over my overdraft limit at the moment (due to charges and an overdraft that's decreasing by £100 every month) and that £925 would not cover the whole overdraft.

My overdraft limit is now £1000, and I am overdrawn by £1225, if memory serves. This will leave me with an overdraft of £300 if they pay me back the charges.

 

Has anybody claimed from Smile (Or I suppose any bank) while over their overdraft limit? Did this cause any problems? Might Smile ask me to pay back the whole lot? I have a parachute account but I'll have to find that £300 from somewhere if they do ask.

 

Thanks for any help or advice anyone has,

John

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Hi Rhombus. We Are Currently Overdrawn By 90.00 Without An Overdraft And They Are Planning To Add More Charges This Month Of 70.00. We Havent Used The Account In Over Two Months And We Refuse To Pay Money In As The Account Is In Disspute. I Dont Think This Will Affect Your Claim As I Expect The Charges You Are Getting Are Not Helping You Keep Within Your Limit. If You Start Procedings Smile Will Proberly Get Shirty And If You Abuse Your Account To Much Will Ask For You To Hand Your Cards/cheque Book Back. This Has Happened With My First Direct Account, We Went Overdrawn By 20.00 For One Day And Had A Stroppy Letter From Them Saying We Would Have To Hand Our Cards Back If It Happens Again. We Are At The Moment Claiming For Money Back From Them As Well So This Is Why They Are Getting Shirty. Hope This Helps. Gill

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Well today Smile sent me a letter requesting that I contact them to discuss my proposals for returning my account to its agreed overdraft limit... I've got a proposal all right.

 

Sending a request for my £925 today :)

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Got a letter this morning from Smile, dated the 10th.

 

They apologised for having been unable to respond to my letter of the 8th (isn't this a response?) and said that they're still looking into the issues I raised regarding charges.

Apparently, as soon as they "make a decision" about this they'll be able to send me a full response. They're hoping to be able to send me this "shortly".

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Just stick to your timetable. If Smile contact you about your overdraft just write and advise them that you are placing your account in dispute which will prevent them taking action until the dispute is resolved. They won't take your overdraft off you because of your claim.

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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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  • 2 weeks later...
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Congratulations. Don't forget the survey, and a donation if you can manage it to make sure the site keeps going.

 

Great feeling isn't it.:p

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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