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fannyadams

baby steps - I'm scared Fa vs Smile

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Ok

I have just written the DPA letter to Smile regarding a bank account i had with them about 5 years ago and have since closed. I think they owe me about £77.00 Not much, but when I add it to the other banks charges it makes a tidy sum £230!

I'm hoping as it's such a small amount they'll just refund it and I won't need to go to court, and reading the threads on here I think that might be what happens.

I'm just curious about on thing. If you submit the court thing and pay hte money but they pay up before the court issue the 'writ' can you claim the price of the court back from the bank? or do you have to chalk it up to experience? I don't have a lot of money to chuck at court cases so...

Thanks for looking.

FA


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Mad, Bad and Dangerous to know!

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If you have to issue a claim, and they settle before court, they will have to pay your court cost back, as long as you have included that in your claim too (the online claim makes it very easy to remember to include it) and 8% APR, yes.

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You MUST be prepared for it to go to court though - the likelyhood is that it won't - but it could, and you should be ready for that to happen.

 

Have you joined the 'Court Buddy' system?

 

http://www.consumeractiongroup.co.uk/regbuddy.php


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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I have now - thanks Dave


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Mad, Bad and Dangerous to know!

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OMG

Smile have sent me my requested bank statements WITHOUT me sending them ANY money!

Can I just check what I can claim for...

I think it's all the FEEs but not the interest on my overdraft - is that right?

IMHO if I'm in credit then THEY pay ME interest on my money, so it's only fair if i'm using their money I should pay them interest...

Still - from the statements they've sent me, I calculate it's £50 so far.

I'll have to check the statements to the closing of my account and make sure that I've claimed all of the charges.

I'M deffo on for going to court if poss. Nothing ventured, nothing gained...

FA


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Mad, Bad and Dangerous to know!

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£46.50 in charges of which £38 put me further inot debt.

how do you calculate the interest on the debt?

NOT the court interest just the how much MORE debt in interest did they make me pay?


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Mad, Bad and Dangerous to know!

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There is a spreadsheet in the Bank Templates Library you could use.

 

Don't be scared. We will hold your hand so you won't be on your own.

 

Good Luck FA

;)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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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I found in the FAQ bit, Vampiress made one in excel that I used.

 

I have posted off the LBA letter to A&L and the please give me my money back letters to Smile and Cahoot.

 

Thanks for the reassurance.


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Mad, Bad and Dangerous to know!

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NOW they are definately gonna get it!

I wrote to them "can i please have my charges refunded" letter.

Chris Hopkins (Smile Complaint Team, Customer Services, PO Box 600, Delf House, Skelmersdale, WN8 6GF) wrote an undated letter back "there are no account details XXXXXXXX. As such I've not been able to proceede with your request for a refund"

 

's a bit suss as not 30 days previously they sent me all the bank statements I asked for with that exact same account number. Nice try Smile, but you can't stall the wheels of law...

 

So, I just sent them the LBA letter by return! since my "can i please have my charges refunded" letter said "if you do not respond or you do not respond pisitively within the 14 day period I will send you the letter before action". At the font of the LBA it says that"I find it difficult to believe that you hold no record of my account since you were kind enough to supply me with statements from thisvery account at the beginning of May 2006... I respectfully request that you check your records again. Given that you have failed to respond positively to my request forrefund of charges you give me no choice to proceed with the following: Letter Before Action."

 

Bring it on...


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Mad, Bad and Dangerous to know!

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Oh I say FA. You seem to have grown from a timid little kitten to a fearsome tigress. Go get 'em!!!:D


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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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Just as I was thinking about money claim online....

Today Smile sent me a cheque "as a goodwill gesture" for my charges.

So yes I am SMILING now!

Thanks to all for your support.


--

Mad, Bad and Dangerous to know!

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That's fantastic fanny - well done. I think the boot is on the other foot now and Smile are scared of you.

 

Would you mind completing the survey, and if you feel the help on this site has been useful I am sure a donation would be gratefully received.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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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This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


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Mad, Bad and Dangerous to know!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5123 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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