Our system for sorting out anything to do with credit cards is as thorough as that for any other problem. However, they are dealt with by a separate part of the bank. To begin with, please detail your complaint in writing to: The Senior Manager, Card Services, Essex House. Southchurch Avenue, Southend-on-Sea, ESSEX SM99 4PL. We will do our best to reach agreement with you. Please note that if your problem concerns your Bank Payment Card, you should contact your local branch. The passage informs you how to______.