They won't action a partial or full encashment on the basis of a fax coz the signature on it could be forged. They require a letter. Fair enough.

I don't think phone calls are necessary, given that:

1) they only action transfers on originals of encashment forms received by post.

2) they can e-mail my wife and she can fax them, or the reverse situation, as a means of resolving problems.

Anyway, I must get them weaned off the phone because they won't then be in a situation to be obstructive coz of a bad telephone line and my wife's poor English.