Talula vs Smile

[talula]

i've just calculated that in the past year, smile owe me £625 in charges.

 

i'm in the process of writing the letter now, however looking at their website, there are two address, the Skelmersdale one, and the Co-Op Head Office on Balloon Street.

 

People who have claimed successfully from smile, which address did you send your letter to?

 

thanks

 

rachael

[fannyadams]

I am sending all my correspondance to the Manchester Balloon street address as this is the one on the cheques.

I think the Skelmersdale address is for CoOp bank (who OWN Smile)

good luck...

[talula]

27th May - Prelim letter for £625 + interest sent

1st June - letter sent from smile stating that they were investigating it.

[natalie]

Well done, stick to your timetable though, at the end of the 14 days send the Letter Before Action. They will try to string it out as long as possible.

 

Natalie

[talula]

had a bit of a hiccup this week. due to my account being £150 over the overdraft limit due to £200 of fees this month alone (hopefully they'll refund these as well, or i'll have to claim again), i contacted my casual employer to put my wages in my Cashminder account. thought all was well, budgetted which bills i was going to pay with it, only to find out that on Friday it was paid into my smile account, so i have not got a single penny out of it.

 

hopefully smile pay up very soon or i'm going to starve.

 

[bram stoker]

Regarding the recent fees. It may well be worth a trip your branch to discuss these. The simple fact that they took £200 in charges and you're £150 over the overdraft limit, clearly needs pointing out to them in person whilst it's fresh, or they'll just add further charges. Politely request that they refrain from taking any further charges, and explain your circumstances surrounding the fact that you simply can't afford it.

[talula]

yeah, ill give them a ring today then since they don't have branches and when i go into the co-op they tell me to send a secure message.

 

silly i know, but by ringing them im worried i might compromise my claim.

[bram stoker]

Erm, yup, no branch. I missed that minor point.

 

If the recent charges aren't in your claim, it's a separate issue entirely.

Good luck.

[notsmilingyet]

I sent my DPA to the balloon address along the 10 pounds cheque. I wasnt sure who to make the cheque out to though so I wrote in co-op/smile and DPA request and my ac no. on the back.

Now I have a 10 pound credit in my account, did they just pay it into my account and do you think they'll refuse the DPA based on no payment now?

[caro]

As long as your letter was clearly marked as a DPA request, and you sent them £10.00, I don't see why they should refuse your request on the grounds of their incompetence. You are calling the shots now so everything is on your terms. If you are concerned you could send them a secure message pointing out their error.

 

Personally I would sit back and wait 40 days and follow the process according to your timetable. Good luck.

[talula]

has anyone had to actually issue smile with the 2nd, "impending court action" letter...? its 14 days today and apart from the initial "we'll look into it" letter i haven't heard or had a bean...

[callumsgran]

do you mean the lba? most banks wont take much notice of you until you send the 2nd letter, so send it off, dont hang about waiting for them:)

[talula]

has anyone actually had to do this with smile though? all the posts i've read they seem to have paid up before that stage.

 

THREE THREADS MERGED!!! PLEASE STICK TO ONE THREAD FOR YOUR BANK ACTION - THE MORE THREADS THE LESS LIKELY YOURS WILL GET NOTICED/YOU WILL GET A REPLY!!

[talula]

edited as question answered on other forum.

[notsmilingyet]

I sent my DPA to the balloon address along the 10 pounds cheque. I wasnt sure who to make the cheque out to though so I wrote in co-op/smile and DPA request and my ac no. on the back.

Now I have a 10 pound credit in my account, did they just pay it into my account and do you think they'll refuse the DPA based on no payment now?

 

They just sent me a letter asking me to send them 10 pounds, again I dont know who to make it out to. They cashed my last cheque into my own account.

 

Maybe this is some stupid attempt at a delaying tatic.

 

This time I will write the cheque out to Subject Access Request - Co-op

Its that or Mike smith, whose some bloke working as customer adviser.

[talula]

16 June - Letter Before Action Sent

 

since my original letter, theyve applied abut £250 more in charges. :mad:

[caro]

I have noticed that they don't seem to be rolling over quite as quickly now, but I wonder if it is just because they are getting swamped with claims for bank charges. Just keep following the steps and I am sure you will succeed.

[talula]

they paid up in full today (£625) though they're refusing to pay the interest.

 

unfortunately for them, they're about to get another letter, as since my first request they have taken close to another £300 in charges!

 

survey, donation etc already done. ;-)

[caro]

Well done Talula. I see that the survey now shows over £1 million pounds in bank charges refunded. Thanks for the donation too. Keep up the good work.

[talula]

This topic was closed on 11 March 2019.

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