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Manual Intervention

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I am a new boy on the Consumer Action Group website.

and prior to taking action to recover charges from my bank I have read all of the Frequently Asked Questions - looked through the library of letter templates - and read reams of correspondence in the Forum section. Could anybody explain to me why one asks a bank for details of any event in the account history which has required Manual Intervention. What is the significance of such an event ?


Baron Hardup

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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.




"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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In short, it is not as important as was was once thought.

To be safe, though, use the template letters unmodified.


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Dear Todge


Thank you very much for your response to my query about Manual Intervention. Thanks to your clear explanation I can now see the logic in asking the bank about Manual Intervention. I'm obliged to you.


Baron Hardup

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