Smile Credit Card Charges **WON**

[Jedicris]

Hi,

 

Have just had a success for a PPI claim that I made on behalf of my wife for her Smile credit card:-D. The account was closed in 2008.

 

Looking through the SAR information that we received for this claim, I noted some charges had been applied and would now like to reclaim these as well.

 

The charges were very small 3 lots of 11. BUT looking through the SOC spreadsheet that I did for the PPI claim, 2 of those charges would never have been made (account would have been in credit).

 

Do I claim for just those two or for all three. I know it is very small but I am very reluctant to let them have anything.

 

Any advice please.

 

Jedicris.

[dx100uk]

ANY PENALTY CHARGE

 

dx

[Jedicris]

Thanks dx,

 

Am writing the claim now!

 

Jedicris

[Jedicris]

Hi,

 

Claim is now in the post, so now just got to wait for response.

 

Right, who can I have a go at now.

 

Just wish I could have a go at her current account overdraft charges.

 

Jedicris

[Jedicris]

Had a response from Smile (Cooperative Bank) among the fob off blurb they say that "any charges incurred prior to April 2006 are outside of the 6 year limitation period set by the Limitation Act 1980 and are therefore statute barred and will not be refunded".

 

Not that it applies in this cases, all charges are post April 2006 but is this correct?

 

Jedicris.

[dx100uk]

yes unless you goto court

 

dx

[Jedicris]

Thanks dx

[Jedicris]

Hi,

 

Just a quick update.

 

After a bit of wrangling, yesterday received a letter basically saying "here's a £100 to cover the charges and keep the change".

 

So, suppose that it is a bit of a result.

[dx100uk]

hey well done

 

so its a win?

 

dx

[Jedicris]

Hi Dx,

 

Yes, I do consider this a win.

 

Just to encourage others, I'll put the history down.

 

In their "fob off" letter they stated that they could find any such account. I responded to their "fob off" letter along the lines of "there is such an account, you have already paid out PPI on it, (an updated SOC is also included).

 

Time passes and no response is received.

 

A Letter Before Action is sent, with updated SOC.

 

Time passes and no response is received, so FOS complaint form regarding the unlawful penalty charges is completed and sent off.

 

At the same time, a Formal Complaint about the lack of responses to letters and poor level of customer service is sent to Smile.

 

Time passes and a letter responding to the Formal Complaint arrives, with a cheque for the penalty charges and a little bit more.