Secure message from Smile, received this morning:
Hello Mr & Mrs Thingymabob,
We have noticed that on 21 July 2010 you incurred one or more charges relating to an informal overdraft request.
As you have not been overdrawn for a while (or may never have been overdrawn) we think it's only fair that we waive some or all of these charges.
We are pleased to confirm that all of the following charge(s) will be waived on this occasion.
UNPAID ITEM CHARGE(S) £30.00
Please note that any further informal overdraft requests on this account will incur the normal charges as detailed in the bank's Account Charges Leaflet which can be found at http://www.smile.co.uk/general/terms_and_conditions.
If you have any questions please reply to this message.
I damn near fell off my chair when I read it!