So imagine you see a transaction on your credit card statement involving CASA. You don't know what it is (probably because you sent them a form for something 18 months ago, they only just got around to processing it and you've long forgotten what it was), and a phone call to CASA provides all the clues you'd normally expect from a phone call to Fort Fumble (none.)
You then ring your bank and dispute the transaction, because CASA can't explain why they hit your account. CASA then receives a retrieval request from their bank, meaning they have to go through all that poorly organised paperwork to find out what the transaction was for, and evidence that it was actually authorised by the cardholder.
If they come back empty handed, the bank takes the money out of FF's bank account and hands it back to you. Wonder how hard they'd look for the file when actual money is involved, rather than a mere FoIA request?
