Alliance and Leicester, formerly Girobank customer service is UK based as far as I know. They certainly seem to understand pretty well when I tell then how hacked off I am when they try charging me just because ther "system" does the outgoings before an incomings on the same day!!
They always refund the charges but how many other peeps don't bother to make a fuss
Ray
PS how about Coutts, I'm Sure Lord Rattler banks with them
PPS how about just stuffing the mattress with yer cash, "keep whats dear, nice n near"!!