Smile Bank Overdraft.

KaretakeR01

Evening All,

can someone please let me know if i have been a plonker

I recently sent smile a cheque for £1400 in full and final payment
against an owed amount of £1496.:exclamati on my overdraft.

I staed that if they cashed this cheque it would signify their
agreement to the terms of my letter, they have cashed my cheque
and sent the balance owed to a debt collection agency:mad:

As i have not claimed back any overdraft charges i thought i would
be okay, please do i have to pay the balance or can i ignore them.;)

Thanx

Orford

KaretakeR01 wrote: »

can someone please let me know if i have been a plonker
No , just naive. :rolleyes:

I recently sent smile a cheque for £1400 in full and final payment
against an owed amount of £1496.:exclamati on my overdraft.

I staed that if they cashed this cheque it would signify their
agreement to the terms of my letter, they have cashed my cheque
and sent the balance owed to a debt collection agency:mad:
Unless you get agreement to your F&F in writing before actually paying them, they will always just take the money and agree to nothing.


As i have not claimed back any overdraft charges i thought i would
be okay, please do i have to pay the balance or can i ignore them.;)

As far as they are concerned you still owe the balance. the one thing you should do is reclaim all your charges.