Following my reading of the articles on this site and other web sites, I decided to reclaim my charges from the Alliance & Leicester. I finished up using the Claims on line facility to take them to court to reclaim the monies. Initially, they advised they would refute the claim and I felt I was going to be lumbered with a court charge but lo and behold, 2 days before the cut off date, they sent me cheque for a full refund. Unfortunately there was a veiled threat that they are also going to write to me about how I conduct my account.So, if you are going through this process just keep your nerve and persist - Good Luck!!