SIR – It’s hard to disagree with Brian Holmans (Letters, April 25) when he writes that most people who have no choice but to pay their taxes will find any form of tax avoidance ‘morally repugnant’.

But my question to Mr Holmans and all those other people is: “Do you have any ISAs, even for a tiny amount ?” Because an ISA is just a popular form of tax avoidance scheme.

No-one was ever forced to have an ISA but, if you do, you have voluntarily climbed on to the start of the slippery slope of ‘tax avoidance’, you invested in it because it avoids Income Tax and Capital Gains Tax.

It’s nothing to do with scale, or whether you’re a low or high tax-payer, it’s the principle of the thing: an ISA is deliberate tax avoidance, pure and simple.

So before we cast the first stones at all ‘tax avoiders’, it may be prudent to check whether we are all entirely without sin in that direction.

Graham Hoyle, Kirkbourne Grove, Baildon