Thread: Manual Intervention

Baron H

The basic principle behind reclaiming your charges is that when they charge you £38 for sending you a letter, this considered a penalty charge - i.e. that it does not cost them £38 to do what they have done, and that effectively they are penalising you.

If they had manually dealt with your 'transgression', and had genuinely spent some time and effort in sorting out your account, then they could justify the charge that they have levied.

Banks tend not to record this information, and so normally reply that they either don't have it, or they ignore that part of the S.A.R - (Subject access request) request in it's entirety.

This means they cannot disprove your argument that they have penalised you, and that you are entitled to the charges back.

Hope this makes sense.

HTH,
T.

In short, it is not as important as was was once thought.
To be safe, though, use the template letters unmodified.

Regards, Rooster.