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Hippo v Smile


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  • 2 weeks later...

my coop card have caved, all charges plus stat, shade under £400, well done them :)

 

as far as i recall they own Smile, who say they don't pay stat

 

so Smile still owe me stat plus AQ fee plus court fee

 

time to jog their arm I think

 

contribution when concluded, promise ;)

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defence arrived today, I say defence, it just says can we have a stay please

 

and a separate letter telling me that the good will offer still stands, that'll be the one I accepted in part settlement and spent over a month ago then

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Letter off to PW Kerns pointing out how much they've paid out and how little is still to pay to settle the claim, £1000 ish paid and £240ish to settle

 

I've 'appealed' to their good sense and bunged a copy through secure messaging

 

What does it cost them to apply for a stay?

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Hopefully they'l pay up the balance after they recieve your letter Micky, its peanuts to them, good luck with that one.. Kerns solicitors never answer their calls, ive rang them loads of times this week to ask if my copy statements arrived safely and all I get is an answer phone and they never call back, looks like another letter to them..Gc

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hopefully, it makes sense but I suspect sense doesn't come into it

 

if the coop card had settled before within the LBA deadline they'd have saved themselves a hundred odd quid in stat, not they've got the court fee on top of that

 

so I think they're just going to blanket go for the stay now

 

still, I look forward to a pleasant surprise, I'm all for having one less to worry about tbh, lets hope they are too

 

I think you can legally assume that something has been delivered if posted

 

and I'm amused with their lack of response as their letters to me asked me to acknowledge receipt

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An AQ (joy!) arrived and got filed under some statements without me seeing it, and off on hols on Sundays, luckily discovered and even more luckily I noticed there's no fee to pay at the last minute

 

off in the post tomorrow

 

the draft directions and the strike out applications ...

 

:rolleyes:

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Have a good holiday Micky. Sounds like you've done all you can for 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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  • 4 weeks later...

they've bounced one of my payments saying insufficient funds when there's stacks, of overdraft limit granted, all sorts of odd charges floating around, 11 days overdrawn, no idea how they work that out

 

secure message informs me that they told me in January 2007 that my overdraft would expire this weekend past

 

no message that I can find, although I do now see that they only renewed one of the two accounts' overdrafts last month

 

a furious secure message has gone off 'in dispute', 'ethical' 'in front of the judge' and 'good practice' bandied about

 

on the phone to them tomorrow, I dread to think what sort of manic nonsense I'm going to hear

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two long discussions with two separate customer service people today

 

after much argument, mentioning of the banking code, the ombudsman, and the judge at Edmonton County Court, all charges have been refunded and the overdraft restored

 

'bank error' has been admitted

 

'nothing malicious' was proffered at one point when I think my secure message insisting the account was in dispute was read

 

hard work but not all bad fun

 

complaint made and apology/compensation for time/stress/embarassment suggested

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Well done Micky. Seems a bit odd telling you your overdraft would end in 9 months and not reminding you nearer the time.:rolleyes:

 

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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thanks caro

 

I've now been offered £25 for my troubles

 

I've said ok as long as I get my £12 late payment fee charged by the credit card

 

Else I'm going to the ombudsman/thingy person

 

They didn't even say it was ending in 9 months, they say they said they'd review it in nine months time

 

They now say that they should have told me that they'd decided to withdraw the overdraft

 

shock horror!

 

people are being spoken to apparently

 

took me an hour on the phone arguing forcefully and with facts to get them from a polite but firm 'tough ****, that's the way it is and we've done nothing wrong at all'

 

all quite amazing really, even for a bank

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  • 2 weeks later...

can you believe when they renewed my overdraft they charged me £15 as a renewal fee

 

'bank error' they said and refunded it when I challenged it

 

and Edmonton County Court have stayed the case 'pending outcome of test case'

 

stoopid as they're repaid all the charges, all that's outstanding is a little bit of interest and my court fees

 

I pointed this out to Smile to a deafening silence

 

on another tack i'm stuck at home with a fractured shoulder bone, torn chest muscles, very skinned forearm and a medley of bruises and nicks and cuts after a high speed somersaulted over a freelander turning right in homicidal fashion

 

four month old Cannondale written off big style, helmet totalled, cycle top now with authentic blood stains

 

CTC's hopefully kick arse lawyers are on the case, soon to be furnished with the statements of an implausibly large collection of eye witnesses

 

fingers crossed they resolve it before the oft test case, no cycling for me for six weeks anyway, back to work on Monday (cheers doctor)

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  • 1 month later...

gee, thanks for the sympathy

 

a letter from Co-Op saying that my cc is about to expire and they are declining to renew it, keep making the payments and stop any debits etc

 

not fussed and happy to make the payments but is there anything I should do? insist it be converted to a loan or something

 

although the coop card settled in full, my claim is against the coop card and Smile jointly and Smile are yet to pay anything beyond core charges so presumably the account is under dispute?

 

perhaps?

 

any ideas/advice?

 

 

ooo and Smile chucked £40 of charges in last week and couldn't tell me what for, bless them, it turned out after my furious repeated complaints that they were due to the charges wrongly applied a month ago for the wrongly withdrawn overdraft

 

they said sorry and gave the £40 back

 

they really are getting sloppier and more scatty by the day

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  • 1 month later...

Is all well after your accident?

-----------------------------

I’d agree on them getting sloppier. I had a secure message which said a delta payment could not be made and it was in fact a deposit into the account?

 

But they do seem to be getting slower to answer questions, if at all. When you do get answers they can be fairly amusing. I asked how they could justify 200% increase to ‘commission’ charges from £10 to £30 over 4 year. Answer: "I can confirm that the charges that are in place at present have just been reviewed and these have been agreed as fair." :lol:

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  • 1 year later...

micky here after all this time trying to remeber what happened and what didn't all those years ago

 

um, I got better fairly quickly but my neck has never got better even after physio, I rather foolishly settled the insurance claim as the wife as a new kitchen to pay for

 

still doing excercises every day, tendons down the sides of my head always a bit sore to really painful

 

but otherwise fighting fit from something that might easily have killed me so no real grumbles here

 

anyhow, it seems I had an active claim against Smile all those years ago

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