I have been with smile for just over a year, in which they have charged me a huge amount of charges, £550 in total for being 3 pence over my overdraft limit. Using the advise website I sent my FIRST letter ASKING for the money back on the 6th of june. I got a reply from them this morning giving me the full amount + intrest back.

I think they have realised that they are not going to win. 9 months ago I sent a letter I made up asking this money and they told me to go away, so just my sending the letter from the advise website made them change there mind.
Barclays are next!!