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# indeed
those charges have to be proportionate to the
loss suffered by Barclays; and sending you an
automatically generated letter doesn't cost £25

Some other bank lost a court case on the subject,
as I recall.

Look here, maybe:
news.bbc.co.uk/1/hi/programmes/working_lunch/guides/consumer/1560905.stm

Also (for the court case)
www.legalday.co.uk/archive/2005/q3/020705.htm
(search for 'Bank Penalty Charges')
(, Tue 16 Aug 2005, 16:08, archived)