My Smile journey starts here

[Dave J]

I got a we are looking into it letter last week, i proceeded with the LBA and didn't move from the schedule.

 

Hopefully they will stick to the form book and credit my account in the next few days.

[sunseeker]

Hiya Dave, Jacksy,

 

Keep on at them. It took me a few weeks of phone calls (about 2 per week) before one where they said something along the lines of, 'don't want to jump the gun but looks like a credit of £2,500 will be made to your account in the next few days. It just needs confirming by a manager'.

 

I asked them who and requested they contacted me the next day to confirm. Went on Smile website next day and there the money was! Result.

[zara_goza]

I hope this can help you. This is the answer they gave me when I questioned the charges

 

ou exceed your overdraft limit, there will be the following charges:

 

-£15 service charge, applied monthly

-£5 daily excess charge for each day you are over the limit.

 

If you are in your overdraft but within the limit, debit interest will be charged at 9.9%.

 

Maybe you can do a better calculation from this...

 

There is also something the called commision unpaid item of £25, just for a computer tells to another that there isn't enogh funds...How expensive is that!!

[Dave J]

Sent secure message asking for their intentions and stating i would launch court proceedings this friday.

[Jacksy1980]

Well they have until this saturday, which is the new date they made after the 1 i made, as of yet they have not replied to my secure messages regarding my DPA request. So once saturday comes and i havnt recieved anything il send the appropiate letter stating my actions and court proceedings, I dont know a value that they owe because Ive had no info, so il just state I want ALL charges etc that I have accuired through out my history with smile.

[Jacksy1980]

got my data today, added it up and it comes to £975 i havnt added the debit intrest charges though(about £2-£4 per month) because not sure if this covers it as its part of me going into my overdraft

But still a nice amount anyway

[caro]

Not so nice when they were taking it off you though.

[Dave J]

SUCCESS!!

 

Received a credit for £570 today to my account, i believe a letter is in the post but I have to go out now so i'll give you guys the heads up.

 

They haven't sent the £30 I claimed for debit interest on the charges but seeing as i haven't even got to the moneyclaim stage yet I will be accepting this as final settlement.

 

I'll sort the survey/donation/Pm'ing BFodder out later today.

 

Been a great couple of days for me as Capital One settled yesterday also.

 

I have still to hurt Barclaycard/Mint (getting tricky) and a couple of others for smaller amounts so i'll be around on here for a while yet.

 

Anyone that has a claim stick with it as it's your turn soon.

 

All the best

 

Dave

[Jacksy1980]

Just recieved a message from "manager" replying to the 1st action letter I sent via secure message this is what he says:-

 

Hello Mr Haughey

 

I'm sorry you've felt the need to make a complaint and I can let you know I'm currently looking into it.

 

However, as we are regulated by the Financial Services Authority I do need to make you aware of our complaints procedure.

 

If you go to our website at http://www.smile.co.uk, click on 'talk to us' and then on complaints on the left hand menu. Here you'll find our full procedure.

 

Regards

 

Alex Hope

smile Complaints Team

 

Anyone else recieved a similar responce before they paid up?

Oh and dave may I ask how long it took to get your money back?

[caro]

Well done Dave. The success stories just keep on piling up. Very encouraging for those of us who are starting out. Keep up the good work. Glad you are donating in recognition of the help from this site. Keep up the good work with the other claims too.

[Dave J]

Hi Jacksy

 

They do not want to go to court, when the 14 days are approaching from the 2nd letter (LBA) make sure they realise the implications.

 

Re-iterate the deadline as much as you can, they really are running scared.

[Dave J]

Jacksy i'm at work at the moment, i'll give you a breakdown of times late this evening.

[Dave J]

Data Request Dated 3/3/06 (received a reply saying its X per statement)

Unhappy reply these are your DPA responsibilities letter sent 14/03/06

Prelim sent 26/4/06

LBA 10/05/06

 

Paid today 27/05/06

 

Nearly three months.

[talula]

ohh fantastic.

 

i sent my letter for £627 by recorded yesterday so they should get it on Tuesday.

 

also sent one for my standard co-op account for about £230 and am going to start working out the amounts for my Pathfinder and HSBC accounts today.

 

then roll on credit and store cards....

[Dave J]

This topic was closed on 03/06/19.

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