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Sunseeker v's smile xxxWON.xx


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Well, looked at current account this morning and have an entry titled 'Adj. Commission' with a credit value of £2,522 next to it.

 

Guess who's going for 2 weeks all inclusive to Sharm el Sheik coutesy of Smile!!

 

Result

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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Excellent news !!!

 

T xx

Barclays owe me £3,101.72

:mad:

 

Initial Letter - 04.05.06

Reply Recieved - 11.05.06

They will reply by - 04.06.06 (Whatever !!)

LBA sent - 19.05.06

Claim due to be issued - 02.06.06

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Well, looked at current account this morning and have an entry titled 'Adj. Commission' with a credit value of £2,522 next to it.

Great result. Was that the full amount of your claim, and if so, what was the last communication you had from the bank? By that I mean was it "we will pay" or "we won't pay" In a nutshell, was this payment expected?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Don't know at present. They havn't sent any details of the charges even though I requested these on 15.02.06!

 

Will calculate what I should be owed when I get them then any shortfall will be requested again from then. In the meantime, something is better than nothing

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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So it was an unexpected payment for an unexpected amount? How very strange...wonder how they will explain it...but as you say, better than a kick in the teeth. Well done.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Spiceskull

 

Cheers mate. will keep everyone informed as to how it goes in the future. Been out buying holiday clothes today.

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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  • 6 months later...

I've just found a credit from the Co-operative Bank refunding ALL my bank charges over the last 3 months - to the last penny...

 

All it took was ONE letter and 3 weeks - they didn't even get in touch, they just did it! I'm quite chuffed...

 

The key paragraph I included went like this...

 

"I cannot afford these charges and believe they are disproportionate to the actual cost to you. If you disagree, please provide a full breakdown of the costs..... bank charges are not legally enforceable and the Office of Fair Trading ruled on April 6th 2006 that such expensive penalties are 'unfair'. Penalty clauses in contracts in English law for breach of contract aren’t legal if the penalty exceeds the actual cost of the breach of either party. Your charges therefore breach the 1977 Unfair Terms Act and the 1999 Consumer Credit Act. "

Tom.G

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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