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To claim or not to claim?


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I have a student account with smile (overdraft £1800 interest free) and am not too sure if I should make a claim of £300. I am to graduate in June and want to keep my account interest free for 12 months, if I claim there is a risk that smile may remove the interest free. I'm not too sure, advice is much needed. :)


Many thanks.

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I personally wouldn't risk it yet. Once you start claiming charges back, you are on dodgy ground.


Although you are well within your rights to claim these charges back, they may say the relationship has broken down and then close your account.


Smile also don't seem to communicate between departments or other members of staff, so watch out. One person may say something and then another will contradict what the other said.

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  • 2 weeks later...

I have been successful claiming from smile on my student account which has a large o/d. In fact I'm about to claim again. So far they have been nice and even increased my o/d, whether they will continue after my second claim, I don't really care as I've left university now.


If they ask for the money back you can pay 20 pounds a month as my friend is doing (although she hasn't claimed, they are just miffed because she took the o/d and didn't pay in her student loan).


Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.


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I'd agree with the first response in urging caution with Smile. Their communication between departments is awful in my experience with it being very VERY difficult to get departments to speak to each other.


Smile are also very tough in removing things like the ability to have direct debits on your account if you miss one or two, so they may be equally tough when it comes to withdrawing banking services or substantially altering the terms and conditions of your account.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress



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