Alliance and Leicester

christhesparky_2

Wonder if anyone could answer a quick question?A number of posters have said that A&L will accept you for a full current account with bad credit, I have a satisfied ccj and 2 satisfied defaults,Would i have a chance of being accepted? anyone been accepted with a similar history?ThanksChris

skyrider007

I think Citibank is more lenient, give them a shot.

c00kiemonster_2

I got a full current account with A&L and im in a similar position to you with satisfied ccj and defaults.

I was shocked when they said yes!

christhesparky_2

Thanks for the fast replies peeps

DanDan123

Same here with me - and they have now given me an overdraft!

christhesparky_2

DanDan123 wrote: »

Same here with me - and they have now given me an overdraft!

Just out of interest how log have you been with them?Looking to have around £1600 per month paid in, overdraft not a necessity but would be nice to have a buffer zone!

PROLIANT

Yes I was also accepted, they gave me a VISA Debit card, Cheque Book and i applied about a week later and got an overdraft aswell, although i will have to wait till April for a Cheque guarantee card

christhesparky_2

Thanks for the replies, applied online tonight via quidco. How long did it take to get a decision?

PROLIANT

It took about 2 days

christhesparky_2

Well I have just got the reply from alliance and leicester,


Thank you for applying for an Alliance & Leicester Premier Direct Current Account.

We have carefully considered your application and regret that on this occasion your application has been unsuccessful.

Mummy_Cookie

I have had my current account with Alliance & Leicester for about 3 years and have a history of bad debt. I started with a basic cash account (electron card) and cheque book. The account then got upgraded to a Visa debit card and optional overdraft.

I see that you had applied for a Premier Account and therefore it might be worthwhile applying for a basic current account with them and then after a couple of months asking for an upgrade in card and an overdraft.

I guess the Premier Account might be reserved for people with no history of arrears etc.