Closing Smile Current Account

arcadia1980

Hi I wanted some advice on closing my Smile Current account.

I have been with them about a year and due to my circumstances changing I decided to saty with Lloyds. I had some money troubles and had to use the smile overdraft. It is all paid off now but ages ago i think i heard someone say as i never had my wage oing into my smile account i could end up with charges by closing it, does anyone know if this is true and iff it is is there a way around it?

Thanks for your time in advance.

cake21

Hi there, firstly congratulations on paying off all your overdraft (hoping to pay off my loans by the end of 2008 ) I've been with Smile since 2000 and I'd be absolutely amazed if you have to pay anything to close the account :eek: Have you tried sending Smile a secure message when you're logged into online banking?

Fedz

I very much doubt you'd have to pay a charge to close a smile current account.

Not having your salary paid into the account makes no difference.

bubblesbonbon

cake21 spot on

This is the relevant clause in smile's T's & C's

12. CLOSING YOUR ACCOUNT
12.1 You can end this contract and
close your account by phoning us on 0870
843 2265 or sending a secure message.
We can end this contract and close your
account at any time but we will give you at
least 30 days’ notice unless there are
circumstances which justify us closing
your account with less notice. We will not
close your account until you have returned
all cards and cheques (cut into pieces) to
us at The Co-operative Bank p.l.c., Delf
House, Skelmersdale, WN8 6GH.

boo_star

bubblesbonbon wrote: »

cake21 spot on

This is the relevant clause in smile's T's & C's

12. CLOSING YOUR ACCOUNT
12.1 You can end this contract and
close your account by phoning us on 0870
843 2265 or sending a secure message.
We can end this contract and close your
account at any time but we will give you at
least 30 days’ notice unless there are
circumstances which justify us closing
your account with less notice. We will not
close your account until you have returned
all cards and cheques (cut into pieces) to
us at The Co-operative Bank p.l.c., Delf
House, Skelmersdale, WN8 6GH.

False, you don't need to return all the stationery before the account will be closed. I have closed accounts upon request without that pre-requisite, although it is -preferred.

Fedz

boo_star wrote: »

False, you don't need to return all the stationery before the account will be closed. I have closed accounts upon request without that pre-requisite, although it is -preferred.

It's correct if Smile want to be strict but, in general banks aren't that strict but, have it in the TOS just in case

StretfordEnder6899

it is asked that you destroy stationary, not return it.