If you ever need a new bank account make sure you don't join Alliance and Leicester.
It all started last month I had a direct debit go out and was just £2 short in my bank account, normally in the past with my previous banks this is not a problem but with Alliance and Leicester they bounced the direct debit and charged me £34 for the privilege! so I'm now £34 Overdrawn.. OK fine I've broken the terms and conditions but the charge is unfair and not a true business cost for them.
Later on in the month I have a 2nd direct debit which bounced this time I was a whopping £5.74 short, you can guess what happened next another charge sending me overdrawn again. Jeez Thanks!
A month passes by and I check my bank statement this is the shocking part for each direct debit which failed they charged me the following:
£34 for Direct Debit Bounce + £25 for being Overdrawn Total £59
So that's a total £118 in charges for two failed direct debits! I think I'm going to write a letter to get the money back.
Reason two for not using Alliance & Leicester:
Last night Vicki took my cash card to get some money out of a local cash machine, she inserted the card and then the machine decided to crash and turn itself off.
So I called A&L Lost / Stolen card hot line and was on hold for over 30 minutes with no answer, I got that bored I decided to go to bed and try again today, this morning I tried again and again on hold with no answer...
Great service for the £118 they charged me last month, so I paid my local branch a visit and was told they could not help me and that I had to keep trying the number I questioned "what if it was stolen who would be liable" and they replied "if that's the case you would have to argue the case with A&L". Great service!
I'm now in the processing of moving all my banking to a different bank.
It all started last month I had a direct debit go out and was just £2 short in my bank account, normally in the past with my previous banks this is not a problem but with Alliance and Leicester they bounced the direct debit and charged me £34 for the privilege! so I'm now £34 Overdrawn.. OK fine I've broken the terms and conditions but the charge is unfair and not a true business cost for them.
Later on in the month I have a 2nd direct debit which bounced this time I was a whopping £5.74 short, you can guess what happened next another charge sending me overdrawn again. Jeez Thanks!
A month passes by and I check my bank statement this is the shocking part for each direct debit which failed they charged me the following:
£34 for Direct Debit Bounce + £25 for being Overdrawn Total £59
So that's a total £118 in charges for two failed direct debits! I think I'm going to write a letter to get the money back.
Reason two for not using Alliance & Leicester:
Last night Vicki took my cash card to get some money out of a local cash machine, she inserted the card and then the machine decided to crash and turn itself off.
So I called A&L Lost / Stolen card hot line and was on hold for over 30 minutes with no answer, I got that bored I decided to go to bed and try again today, this morning I tried again and again on hold with no answer...
Great service for the £118 they charged me last month, so I paid my local branch a visit and was told they could not help me and that I had to keep trying the number I questioned "what if it was stolen who would be liable" and they replied "if that's the case you would have to argue the case with A&L". Great service!
I'm now in the processing of moving all my banking to a different bank.
