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| Ease of use | 5/10   |
|---|---|
| Customer Service | 2.6/10 |
| Overall rating | 3.3/10 |
Full review by
sunshine jay
on 9th Jul 2008
User Rating : 1
Respect :
0
Good Points: Easy to view on the internet however so are many other accounts these days.
Bad Points: Excepionally poor customer services and general lack of interest in the customer, I moved from Barclays just over a year ago, I'm so glad I did not close my account entirely, I simply reduced the account down to a regular current account and I still have a higher overdraft facility with them despite have not used the account for the last 18 months.
General comments: All the league tables recommend the Premier Direct account at Alliance & Leicester. This is very misleading, the charges are excessive and the customer service is appalling. I recently transferred my mortgage from one provider to another and had a little hiccup during the process, I requested an increase in the overdraft facility to cover the hiccup and was not allowed. The net result I went over the agreed overdraft facility and have incurred charges of £350 pounds in the last two months alone. This problem is due to continue until I manage to resolve the error with my first mortgage lender and we all know these things can take time, Alliance and Leicester have shown little understanding. Once I manage to resolve these issues I will certainly be CLOSING this account and moving back to barclays or another suitable provider. Just to give you an example, I paid in some money at lunchtime yesterday, to cover the cost of some direct debits and when I checked my account I had been charged a payment review fee of £25, when I called and finally got to speak to a customer adviser I was told that the direct debit went out of my account prior to the deposit and therefore my account went over by £3 for all of a couple of hours, hence the £25 charge.
sunshine jay's review and ratings | 297 words
Review by
east17
on 24th Jun 2008
User Rating : 5
Respect :
0
It seems to take days for anything to come off my account when using your visa debit card - my Halifax account it comes off instantly so you know your balance.
There customer services is poor - although I did get a call from someone quite senior after a serious complaint.
Bad customer services - huge waiting times in queues, to then be cut off or get no help - account balances not updated very fast - all from one of the longest running banks?!
east17's full review | 85 words
Review by
drb56
on 17th Mar 2008
User Rating : 0
Respect :
0
I would never touch any Alliance and Leicester product again. My son paid £100 in bank charges for a 50 pence overdraft, when he lost his job.
drb56's full review | 25 words
Review by
gumboyaya
on 12th Mar 2008
User Rating : 2
Respect :
0
Alliance & Leicester Current Account customer service is extremely limited in the help they give.They have lost written correspondence from me.Their correspondence to me was very poor. Incorrect standing order withdrawalsIncorrect Direct Debit failureOnce in three years wages went in late and they charged for several failed direct debits.
gumboyaya's full review | 53 words
Review by
PROLIANT
on 28th Feb 2008
User Rating : 10
Respect :
0
Hi all, just opened an A&L Premier direct current account and just got all my stuff through the post this week, very prompt in opening the account and it does what it says on the tin, depending on your credit score with the bank you will either get a 3 in 1 or a 2 in 1 VISA debit card...yes a VISA debit card and not an Electron Card, i have just recovered from ID theft and Experian have been working on my behalf for over a year now trying to clear my name, still got a very low credit score but n ...
PROLIANT's full review | 254 words
Review by
pilgrim1
on 20th Dec 2007
User Rating : 7
Respect :
0
Hi, I have complained about Alliance & Leicester's new daily overdraft fee but cannot complain about their attitude to fraud. On Monday I had several amounts of cash taken from my account by a fraudster.
I spoke to A&L today and not only did they flag the transactions as dubious they have also re-credited my account with all the money taken while they try to recover the money.
It is possible I may end up losing it in the end but their actions could not have been more helpful and much bett ...
pilgrim1's full review | 121 words
Review by
pilgrim1
on 11th Dec 2007
User Rating : 0
Respect :
0
I would not recommend this bank to anyone who has, or would want, a smaller overdraft which they only use sporadically. Why? They used to charge about 6% interest on authorized overdrafts which was very good. Now they have introduced a swinging 50p a day! There is no buffer and I have been charged 50p a day for just using £1 of my overdraft. Seven days of being between £1 and £130 overdrawn has cost me £3.50. My maximum overdraft is just £200. The previous six mont ...
pilgrim1's full review | 99 words
Review by
anne banks
on 26th Oct 2007
User Rating : 2
Respect :
0
I really would not recommend the premier direct account as the customer service is appalling and if you have a problem the chances of reaching a human being to discuss the problem is non-existent in my experience, I also have a business account and the difference there with the level of customer service is so different ie. free call back, ready to help etc.
anne banks's full review | 70 words
Review by
jmoger
on 5th Jun 2006
User Rating : 0
Respect :
0
We had to go in to our Alliance & Leicester account to pay money in, as we only used the account for bills. We paid money in, and on the same day the bills came out, and we were charged £34. My husband rang to try and complain twice, and they said there was nothing they could do about it. There was no manager he could talk to as they were busy. He offered to wait and they put the phone down on him!! We are closing the account straight away, and we will never be going near A & L again.
jmoger's full review | 103 words
Review by
Bennybob
on 16th Sep 2005
User Rating : 2
Respect :
0
I was convinced, like many people that Alliance & Leicester offered a great service, and I switched banks from Lloyds, as A&L offered the best interest rate. Within 6 months I had moved banks again, as the customer service in A&L is poor to non-existent. I will not make that mistake again!
Bennybob's full review | 124 words
Review by
Bigkerno
on 11th Aug 2005
User Rating : 8
Respect :
0
I have had an Alliance & Leicester Premium current for about 6 months now, and am nothing but satisfied with the service I have received. With a 5% rate of interest on this current account, I now get more out of this than my savings account. The online account system is easy to use and includes a running balance and an available balance which my old a/c didn't.
Bigkerno's full review | 84 words
Review by
TeresaD
on 10th May 2005
User Rating : 0
Respect :
-1
I was recently turned down for the Alliance & Leicester Premier account, despite meeting all their criteria. Apparently the reason being that they couldn't locate me on the electoral register for a full 10 years (I don't know the reason for this). They did however offer me the Electron account. They could not explain to me why they were prepared to offer one but not the other!! ?? Any ideas?
TeresaD's full review | 75 words
Review by
Moneyman
on 4th Dec 2004
User Rating : 2
Respect :
0
The attractive interest rate of this account from the Alliance and Leicesteris paid for by high charges. The charges cut in even when only tiny amounts of excess spend are involved AND when credit cheques to cover the offending amount are already in the system. If my experience is anything to go by, expect the Alliance and Leicester to stop cheques, dishonour direct debits and apply high charges at the drop of a hat. Customer complaints receive computer generated responses that do not address th ...
Moneyman's full review | 182 words
Review by
Nationwide
on 7th Nov 2004
User Rating : 1
Respect :
0
I was offered a Premier current account but I wanted to increase the overfdraft offer. I spoke to the A&L customer rep who gave me a 'wrong' fax number to forward the necessary details. I call up again and advised them of their mistake and yet again they gaave me a wrong fax number.
Eventually I found out a had faxed my personnal details to a 'random' fax number given by, yes - A&L!
Eventually, I managed to contact someone in the 'Under Writers' department who where very rude.
Since thi ...
Nationwide's full review | 110 words
Review by
Mares
on 17th Jun 2004
User Rating : 4
Respect :
+1
The bad points were what prompted me to close my account with Alliance and Leicester. It does say in the small print that money must be in your account 24 hours before any transaction is due so I suppose it was my fault. However to return a standing order for £4.10 when you are only 44p over your overdraft limit seems extreme, especially when your are charged £29.50 for the service!
The internet banking balances were a little confusing with different balances appearing on different ...
Mares's full review | 135 words | 2 comments added.
Review by
j20jax
on 16th Jan 2004
User Rating : 9
Respect :
-1
The Alliance & Leicester current account offer a good overdraft facility and very few charges. You get interest when in credit. Very pleased overall. Regular and up to date statements, easy to understand. Telephone banking, recently introduced internet banking but I haven't tried that.
j20jax's full review | 55 words | 1 comment added.
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