Dear Sir/Madam,

Thank you for your letter dated 26^th September 2007 with regard to my account conduct. I have previously notified Alliance and Leicester that I no longer reside at ** ****** Avenue, *******, Suffolk but this appears not to be reflected on your records. As you can appreciate I very rarely check for post at my old address so please forgive my delay in getting this response to you.

With regards to my going overdrawn I was not notified that my withdrawal exceeded the funds in my account when I visited the ******* branch to make the withdrawal. Due to Alliance and Leicester cancelling my previous card in order to phase out Visa Electron cards I was unable to view my balance. Now that I am aware of this issue, it is my intention to replace these funds on my next payday (12^th October 2007).

With regards to the banks charges, I do not recognise the banks charges as legally valid. The charges are , I believe punitive and therefore in violation of the Unfair Terms in Consumer Contracts Regulations, I am more than willing to pay the debit interest displayed on the last statement I received (8^th September 2007) and a reasonable charge to cover the banks costs. However I believe that a court of law would agree that a charge of £25 every 5 days is far from reasonable.

I hope we can resolve this matter, however if necessary I am more than willing to present this case to the Financial Ombudsman Service, and also to a court of law.

So far my relationship with Alliance and Leicester has been very good, however I am more than willing to pursue legal avenues to ensure that Alliance and Leicester abide by their legal responsibilities.

Thanks in advance for your co-operation on this matter.

Yours sincerely

Ben Tasker

Nothing was received in reply to this letter, so I went into branch and discussed the matter, over a customer service telephone with the bank. Then I wrote the next letter