Bank smart

[Amethyst]

Re: Bank smart

The CMR are investigating at the moment. What that actually means is anyones guess though.

https://www.claimsregulation.gov.uk/enforcement.aspx ( enforcement action and investigations - bank smart is under symmetric in investigations tab )

[EXC]

Re: Bank smart

Hi Sam,

So after the three month period I contacted the Legal Ombudsman to which I got my account lowerd to £63.00 (still not happy with this amount as they've done nothing for me but if it gets them off my back they can have it)..................this amount has been agreed through a lady at the Legal Ombudsman

Do you have anything in writing confirming this from LeO?

[EXC]

Re: Bank smart

Hello
Yes they are an awful company I wish I never met them. Nick has been a fantastic support to me I sent my letter of complaint by email on Sunday so waiting to hear. Hope it's all gets sorted for you something needs to be done.
Sam

Hi Sam

I understand you've not received a final response from Bank Smart which means you can take your complaint to the Legal Ombudsman.

Here's how to do it http://www.legalombudsman.org.uk/?po...ment-companies

You need to explain that you've not received a final response from Bank Smart. I've e-mailed you the documents you need to accompany your complaint.

Let us know how you get on.

[Samschaad]

Re: Bank smart

Thank you very much Nick best wishes Sam

[EXC]

Re: Bank smart

You're welcome.

[Samschaad]

Re: Bank smart

So today I received a letter from Bank Smart dated 2/5/2017 arrived today should have heard from them by 2/5/2017. When I called them as miracously there is a number on the letter the first time there is a phone number. So when I call the number and 9 minutes later the man says he can't find this letter on his system when I say I should have heard by 2/5/2017 and also when I said why does it say thy they sent me a letter acknowledging my complaint when in fact I received an automated reply no answer. At the end I also asked why the so called invoice charges had increased whilst a complaint was going on he could not answer me. He said he would find out all the answers and get back to me soon 2 hours later still no answers.
This is a useless company wish I had never used them.

[EXC]

Re: Bank smart

Hi Sam

Could you e-mail me the letter please?

[EXC]

Re: Bank smart

Got it, thanks.

The long and short of it is they've upheld it and offered you £260 compensation, although it's not clear why they've upheld it and what the compo is in respect of.

However on the first 2 pages they explain that even though the 2 claims that had gone to FOS and had been rejected, they were still classed 'open' and therefore they were right to raise cancellation charges 'in line with our terms & conditions'. Utterly astonishing.

Also they have justified doubling the 13 SAR fees (from £10 to £20) becuase they say you paid late.

And they blame sending the out of time complaint to FOS on you lol.

If I were you I'd accept the offer but I'm a bit wary of them actually paying, so I'd send them something like this and attach their final response so they can't claim that they don't know about it:

Dear Sirs

With reference to your final response (attached for your reference) in which you have upheld my complaint and offered me payment of £260, I would like to confirm that I will accept this as settlement.

Please be aware that I have forwarded your final response to Samuel Russell at Claims Management Regulation and should I not receive your cheque within 10 days (by 20 April) I shall inform him of such.

Yours

Sam

[Samschaad]

Re: Bank smart

Hi Nick
if I accept this do I also have pay the invoice charges that have gone up while this has been going on?
Also do I call the ombudsmen and cancel my complaint to them?
Sam

[EXC]

Re: Bank smart

Sorry, what invoice charges?

Don't do anything with the Ombudsman just yet.

I've got to go out now but will check back later

[Samschaad]

Re: Bank smart

I am just wary if I accept they will then issue me the invoices can they do that or is it enough for them to offer me compensation will that be the end do you think
Sam

- - - Updated - - -

I mean the payments for cancelling the two claims

[EXC]

Re: Bank smart

They've cancelled the invoices for cancelling the two claims.

[Samschaad]

Re: Bank smart

Thank you for clearing it up for me the letter confused me

[EXC]

Re: Bank smart

I wouldn't worry too much about what it currently says on your online account, the way the letter is worded they have 'offered' to cancel the invoices subject to your agreement so I doubt they've updated it yet. Regardless, the except from the letter is clear that they have offered to cancel them.

[Samschaad]

Re: Bank smart

Hi Nick
Thank you for all your help. Quick question shall I write to ombudsmen and cancel my complaint
BW
Sam