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caro

caro v smile ***WON***

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Trust me smile will refund your charges........


Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

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I am sure they will refund in time. I have decided to give them another week and then phone again. If there is no progress then, I will start putting pressure on and issuing deadlines.

 

On or around the 22nd of June I have 2 Moneyclaims which I am almost certain to need to do with other banks, and I couldn't afford to do the smile one as well. As you say, they will refund anyway.

 

Thanks for your input guys.:)


 

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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Well I phoned Wednesday and Alex Hope of the Complaints Team was in a meeting so a message was left for him that I wanted to know what was going on. Then I had 2 emails from Jayne Jones saying my complaint was still being investigated and they would get back to me.

 

Phoned again 4 pm Thursday and asked for the complaints team. Apparently they work from 8 am to 4 pm and they had just gone home. I asked for a direct number to them, but apparently the complaints team don't speak to people unless they have specifically asked to speak to the customer themselves. Apparently we mere customers do not have the same priveleges. I get the feeling they are a bit busy at the moment.;-)

 

On a lighter note, I got my funniest charge today and can't stop tittering about it. I made a £5 donation to BAG, but had insufficient funds so they didn't pay it and charged me £25! I might have been upset if I didn't know that I will get it back, but I will have to stump up a decent donation then to make amends. Forgot my bank charges were due off today but I don't get paid until tomorrow. That means more charges next month. Ho hum:rolleyes:

 

Enough of this messing about being nice and emailing and phoning. I will now do what I should have done in the first place to reclaim my charges the BAG way, using the template letters from the library.


 

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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Well folks, I'm not quite smiling but I have got a very big grin on my face! I have come to the conclusion that phoning smile is pretty useless, but I actually managed to find someone helpful yesterday who phoned back when he said he would. I had phoned to complain that smile had gone over the 28 days they allow for their complaints procedure and heard nothing. For those who haven't read my thread I thought I would try being nice to smile as they are reasonable with me, and didn't follow the usual process. Please do not do this. The call back said my complaint would be dealt with within 5 working days. This has happened

 

I have just logged into my account and there is an adj commission of £1,000.50, the amount I claimed. YIPPEE!!:D

 

Also an email saying the amount I said was correct and a goodwill payment had gone to my account. I still need to chase up the interest, £75 for my smile visa card and a few charges since my original claim, but this is my first money back so I am dead chuffed.


 

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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Nice one caro well done. Smile are ok I suppose but you really do need to take control with them. Enjoy

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Thanks Dave, I plan to take control now. Just getting my facts together to do a proper prelim to claim the rest of it using the tried and tested methods.

 

I can't decide whether to use the money for something sensible, like putting it towards a car that I really need, or treating myself and the family. My daughters 18th birthday is next month and my son starts uni in September, so we can certainly use it. I'm not used to deciding how to spend real money.: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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Well done Caro, I'm really pleased for you. Excellent news :)


Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Yes thats great news Caro - well done. Enjoy the money (doesn't sound like its going to last long !) :-) :-)

 

Too true! I have decided not to do anything hasty at the moment and just take my time deciding what to do. I really need my money from Yorkshire Bank to make a big difference.

 

Thanks for the good wishes all.: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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Well smile have paid another £20 to my current account and are refunding £75 to my visa, but added this

 

Please monitor your account carefully to make sure you don't exceed your overdraft limit in the future. All our charges and tarriffs are available to view on the website. If you exceed your overdraft or incurr late payment fees etc again, we may issue you with notice to close.

 

Now I've had most of my money back their request will be a lot easier to comply with.


 

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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Good stuff! Squeeze them for every penny as rest assured thats what they'd do to you!! :)


BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Had all the information in response to an emailed SAR. Because I had to chase them for this after 50 days they did not charge me.

 

Note to self - use snail mail. It's quicker.

 

Going away next week and pretty busy at the moment so it will be a while before my prelim gets sorted. I had a bounced DD last week and a £25 charge so it will be interesting to see if they decide to close my account. I wonder if they will pay up as easily second time around, or if they are getting tougher now.

 

As an ethical bank I would hope that they would not sink to the depths of taking retaliatory action. Parachute has been open with Nat West for ages now


 

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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Hi Caro,

 

I have just completed my MCOL to Smile and about to make payment. I feel very nervous about it, what if they want me to go to court? The idea of it scares me.

 

I wanted to ask if you can still make a claim against a bank even if you closed the account years ago? I was with Yorkshire bank until 2004 could I still go back to them following the same procedure as I have with Smile bank?

 

Thanks

Yvette

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I think it's unlikely in the extreme that Smile will be a problem, and yes you can take on closed accounts. I made the mistake of having a YB account until 2003 and have a case pending against them.

 

I imagine you will have your Smile money before Christmas. I closed my account with YB in 2003 and filed MCOL against them on 21at June this year which is nowhere near settled. You can and should claim against them, but they are a much harder nut to crack. It gets easier the more you do this though as you keep learning and that gives you confidence.

 

Take a peek in the Yorkshire and Clydesdale Bank forum to see what to expect. You will find the guys on there very supportive as we all go through their rubbish together.


 

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 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


 

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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