Re: Amateur Banks
My (different) bank did (2) to me. Except they wrote me two letters - one to my parents' and one to my termtime address - and charged me £25 for each.
I wrote acknowledgements to each letter (separately) and a further letter explaining their mistake and demanding they rescinded all charges. Finally, the following day, I invoiced them for £100 to cover each of my four missives.
To my amazement, they returned the erroneous charges within 3 working days. To my further amazement, I received a cheque for £100 the following week.
I've tried the same since, but with less success.