Alliance & Leicester Overdraft Match - Help Needed!

Found 22nd Apr 2010
Hi all,

I opened a account with A&L on the basis my overdraft would be matched, obviously only when my application is successful as they do credit search. The credit search was fine and I got my account opened and the branch manager explained it would take upto 2 weeks for him to talk to head office to get me the over draft matched. As part of overdraft match, he explained I had to deposit £500/Month and switch my direct debits but I was given an option of doing it after my overdraft has been matched.

After a month I got a letter from bank saying, I had to provide my recent bank statement and there should be no negative balance for a period of 15 days and that I need to provide them as soon as possible. I already provided all the documents when I opened my account, now this was a hassle had to take my documents back to A&L and now the guy explains they couldn't match my overdraft as my balance in other bank was negative over a period of 10 days and he requested me to provide recent statements.

I put effort in getting all documents he needs and now he comes back saying my application was denied due to poor credit reference! I got really boiled, not only did it waste my entire month hanging around but this bloke made me close my other bank account which I wasn't using much and also made promises of matching my overdraft based on credit search & statements.

Now he says he cant help and that I can close my account if I needed to, I can clearly see this is all some bs.. can someone advice me if I can I actually make a complaint against the brand/manager or the bank. I am pretty sure I have a decent credit history (checked last month) and all their fake promise wasted me 1 month of time and also closing a bank account.

Any advice or suggestion welcome!
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1 Comment
Financial Ombudsman may be of help.
If you google Financial Ombudsman it shoud take you to their website and explain more in detail of what department you require.

It is a free service so we cost nothing to try.
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