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Smile really are nice people :-)


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Hi all,

I'd just like to share my recent and very pleasant experience with Smile... I dont know the specific dates but it was all over within a matter of 2 weeks!


After requesting my charges / statements by post, I also requested by secure message after reading Bobafets post.

Sure enough, within a week I received a nice little printed spreadsheet through the post detailing all of the charges on my Smilemore account.

I immediately counted them all up... and to my utter amazement it totalled £3895 + interest.

I therefore sent a polite but firm secure message requesting that the unfair charges were paid back.. and stated that I would allow them 14 days to respond.

Within 5 days I received a letter (which incidentally was backdated 1 week for some reason) stating that 'as a gesture of goodwill', they will be paying back the £3895, however, would not be paying back the 'debit interest' as this is not a charge and therefore cannot be refunded.

Within a couple of days, the £3895 was deposited into my account. Although I have since moved the money elsewhere and I am now chasing the interest also.

Sorry this post isnt very specific... But just thought I'd let you know how easy it was for me to get almost £4k out of them! :-)))

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That's excellent casaboy. Don't forget you can only claim the debit interest on the charges themselves, and not the whole lot, although there probably isn't much difference in a larger claim.


I must admit I didn't pursue for the debit interest with smile, but you are quite right to do so. I wouldn't be too surprised if you have to start a court claim for it though. Keep us posted.


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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



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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