I've wrote to Alliance & Leicester and received a reply stating that "the OFT has commented that they consider the level of late payment charges to be unfair, however, they are actually referring to late payment fees for credit card payments, which are quite distinct form a bank's charges on current accounts.." The letters go and basically says that they are unable to agree to my request for a refund of charges on this occassion." Advice please - do i go ahead with proceedings?

I agree that it's about time Alliance should be added to the list. I've had so many problems with them and their charges.