Overdraft with Abbey

lilmoi1985lm

I've signed up for a new current account with Alliance & Leicester but still have my overdraft with abbey. I've applied through the premier switching service but I'm having difficulty getting an overdraft for the same amount £500 as I'm always into my overdraft by the time my statemtn is sent out (Alliance are saying they need to see a statement showing me in credit not in the overdraft). Can I still switch to Alliance & Leicester and pay of my overdraft with Abbey over a few months?? Has anyone else had this problem I'm pretty worried about it at the moment, I dont want to stay with Abbey (Having difficulties trying to reclaim charges hence the move to alliance) but dont know how to handle the overdraft problem....

mrsplinter

You can transfer you overdraft if you are in a credit for at least a few days a month. It doesn't matter if you are overdrawn at the time your statement goes out. Have A & L offered you an overdraft? I requested an overdraft and received £500 automatically and then applied to have it increased to the same level as my old account.

lilmoi1985lm

mrsplinter wrote: »

You can transfer you overdraft if you are in a credit for at least a few days a month. It doesn't matter if you are overdrawn at the time your statement goes out. Have A & L offered you an overdraft? I requested an overdraft and received £500 automatically and then applied to have it increased to the same level as my old account.

I appiled online and they sent me a pack saying that the minimum they would offer is £250 but if I had an overdraft they would match it if I sent them a statement. So I sent it off and I then received another letter asking for a copy statement. I ended up ringing them and they said they had received it but would need to see a statement showing me in credit??? I'm usually in credit for 3 weeks of the month so I dont understand it. Shall I just try sending another statement and see what happens after that?

mrsplinter

Their response doesn't make sense. I went through the same process as you sent off my bank statements (only about a week in credit a month) and got the same overdraft as my old account. How many statements did you send? I think when I did it I had to send three months of statements. I may be wrong. I would suggest ringing them and explaining that you think you have met their criteria.