I agree with you, but the point is about showing intent in my view. If your hosts can say as customers leave “our sincere apologies, your refund has been processed”, to me that’s a much better final impression to give customers than either handing people forms to fill in or directing people to a website. In a sense, you (CS) have messed up my night and got me in for my meeting 2 hours late without a working shower, why should I waste my time filling in more forms, photographing tickets etc to get my recompense. That’s your problem. The automatic system on Virgin Trains works very well in my experience (albeit with a short delay), so the technology exists.
I sometimes read the chat about customers rather than passengers, customer hosts and guest ambassadors and wince slightly. Nevertheless the customer service expectation for someone paying £400 for a Caledonian Double is different to someone paying £14.99 on the Stansted Ryanair flight. I hope the Mk5 introduction improves for them soon.
I would also question in days of Faster Payments, mobile payments allowing thousands to transfer instantly, whether card payments taking days to clear in either direction will remain the norm. It’s almost as bad as cheques !