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Why do you have a separate charge for printed reports etc?

Our charging structure aims to be competitive, simple and to be fair, to reflect the work done. Our HL Service charge aims to cover the services that people use day to day and then apply separate fees for certain services that not everyone uses. Otherwise, some people end up paying for services they never use.

A separate fee for those clients who want to receive paper statements is fairer to all of our clients because only those clients who use the paper service are charged for it. The paper supplement charge is made on a per client basis, not per account. Junior ISAs and Junior SIPPs do not attract the paper fee, even if they are not set to paperless.

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