I currently have a A&L joint account, a personnal account, a joint savings account and my wife has an account. Does anybody know what they will close if they decide thats is their course of action?? I also have a mortgage with them so I would hope the threat of me closing that would offer some leverage in my favour as closing that would cost them significantly in lost interest charges. If I have to change accounts I am not hugely concerened but it is the hassle that I am not looking forward to, although I have opened a new smile account just in case.

I came across this site after looking at MoneySavingExpert.com ad-free, free to use, Consumer Revenge!. I had recently been charged two £25 fees for going overdrawn which I thought was very excessive. I sent the standard letter to Alliance and Leicester at the address in Bootle (shown on your chequebook). The letter was ignored so this time I sent it by recorded delivery. I received a response within a week to say that they had refunded £25 as a goodwill gesture. As no further money was offered I filed an on-line small claim against them via the www.moneyclaim.gov.uk site. They immediately acknowledged the claim and today have written to me giving me a the other £25 claimed plus the £30 cost to file the claim. Their letter states that "it is clear that you do not accept the terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation". I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do. It was worth the hassle to claim this money back as it is an unfair charge. Thanks for the tips and advice. I will post again if they contact me.