Smile ignores letter of appropriation.

[atomboy]

Had a health crisis several years ago, notified Smile of it in writing. Am in receipt of benefits. In July 2010 sent Smile a letter of appropriation, they responded in hard copy not mentioning the letter as a letter of appropriation but stating it's contents had been noted and that only withdrawals made from my account with sufficient funds to cover them would be permitted on my account. Fair enough !...Having received a charge on my account two weeks ago I questioned why when there was a letter of appropriation set up on the acct. Bank response has been- We have no record of your letter, we have no record of your health problems, the fact that I'm on benefits doesn't matter. They say letters of appropriation only apply in a single instance, they've consulted their legal department and have done everything correctly...And I feel like I have run into a brick wall. They've also said customers are pre-notified of charges...I wasn't, I've double checked. This has now reached the formal complaint stage and still the brick wall. All the correspondence from them feels very gamey and I'm stuck for what to do....any help would be appreciated....feeling frustrated and angry....

[dx100uk]

they are sadly correct that you have to keep doing it each time.

 

dx

[atomboy]

Continuing on from this thread :

http://www.consumeractiongroup.co.uk/forum/showthread.php?312363-Smile-ignores-letter-of-appropriation.

 

Am still on reduced benefits while awaiting tribunal...Have been doing as I have been advised ie. sending letters of appropriation every time the bank notitifies me they will impose their excess charges and everytime I have been ignored.

 

I have sent a letter of hardship and nothing happens.... In October this year the bank took half of my already reduced benefits :-/

 

Is there no protection for us?

 

[seanamarts]

Have merged threads, please stick to one thread thank you