Are there any banks which are reasonable and not charging extortionate amounts? I want to set up a safety account to escape from A&L but only want to go to a good bank rather than the usual shafting buggers? Any recommendations of banks who don't shaft you as often as possible?

I have a personal loan account with A&L which has quite a bit of money left to pay (more than I could pay off now). I also have a current account where I have been charged over £200. I know that A&L are closing accounts. My question is that if I claim my £200 from the current account that they've taken could they close the loan account (forcing me to find more money than would be possible) as well as the current account? Any advice greatly appreciated.....