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These are excerpts from a secure message conversation that I had with smile in 2003, I won't put the whole thing in but there are some pertinent points. This first bit should outline my initial complaint:-

 

On the 20/02/03 you charged me 52.91, (for being 0.90 over my limit)

This took me to a debit of 549.41

On the same day I deposited a cheques for 200

This took you four days to clear.

So on the 20/03/04 you charged me for those four days taking my account to a debit of 528.

For which I assume I'll also be charged, (according to your tariff), around 70.

So beinng over my limit by 0.90 has cost me about 160.00 even though I presented a cheque, issued by your bank in the first instance.

 

So far, so normal. However one of the responses is thus:-

 

Operator ID:xxxxxxx

Date:29/03/2004

Subject:General

 

Hello Mr xxxxxx

On the 20th of February, you paid a cheque into your account to bring you back within the limit that day. However, that cheque wouldn't have cleared for another couple of days, so technically, the balance was still over the limit.

 

Thanks

 

xxxxxxx

 

 

Ah, so now i'm being charged for being within my limit!! There was obviously a lot of toing and froing with this. And my final message from them before they stopped replying began:-

 

I understand where you are coming from, but i'm afraid I can't refund any charges as they are valid....

 

Is this the nearest we've got to a bank employee admitting that these charges are unfair?

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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  • 12 years later...

This topic was closed on 10 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

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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Thanks

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