A&L Overdraft

Night-owl_6

chesky369 wrote: »

How odd. I only opened a premier current account with A&L because I wanted to have the regular saver. Only put in £500 per month, half of which went to the RS - but, without my asking, they offered me (and I accepted) a free overdraft facility for a year of £1,400.

One of the VERY few lucky ones:rolleyes:

londonuk2008

Night-owl wrote: »

I have decided I am moving from A&L to Abbey, and I have 6 branchs locally to me

Brave going to Abbey , after reading how organised they are on here!

Night-owl_6

londonuk2008 wrote: »

Brave going to Abbey , after reading how organised they are on here!

Abbey may not be the best bank but A&L have one branch 10 miles from me!
I would rather cut a little service back and have a branch local:D

PROLIANT

I have a Premier Direct account with A&L, I hold a Visa debit and cheque book but no C/G card, I also got a £50 after submitting an online request, they say after 4 - 6 months they will review it.

Snooze

PROLIANT wrote: »

I have a Premier Direct account with A&L, I hold a Visa debit and cheque book but no C/G card, I also got a £50 after submitting an online request, they say after 4 - 6 months they will review it.

Your Debit card is your c/g card. Look on the back - there will be a hologram with either a 50 or 100 in it (£50 or £100 c/g).

No-one uses cheques these days anyway, so it's immaterial really.

Rob

battyboimatt

Well I have just taken the crunch and joined A+L after this site recomended it, well had bits on bods, cheque book, pin number, pin number for the credit card, dont think ill get much on the CC as i already have a MBNA card with £2500 on it, still waiting for my debit card and they gave me £300 O/D and that was st8 off, lets see how the account goes

PROLIANT

Snooze wrote: »

Your Debit card is your c/g card. Look on the back - there will be a hologram with either a 50 or 100 in it (£50 or £100 c/g).

No-one uses cheques these days anyway, so it's immaterial really.

Rob

Na Rob, no Hologram on my card mate.

Kavanne

PROLIANT wrote: »

Na Rob, no Hologram on my card mate.

Some debit cards indeed are NOT cg cards. My bf's HSBC Maestro had no cheque guarantee facility and stated on it 'This is not a cheque guarantee card' so not all debit cards are CG cards

skyrider007

There's a (high) chance that banks are phasing out cheque guarantee cards. HSBC for instance rarely issue them to new customers. I've been with them for 5 years but recently upgraded my account and they gave me a plain Maestro Card without c/g, I absolutely could not care less as I've never and will never use cheque on high street.

PROLIANT

skyrider007 wrote: »

There's a (high) chance that banks are phasing out cheque guarantee cards. HSBC for instance rarely issue them to new customers. I've been with them for 5 years but recently upgraded my account and they gave me a plain Maestro Card without c/g, I absolutely could not care less as I've never and will never use cheque on high street.

But it is the other facility which is fixed in a std Visa or Meastro card and that is 100% auth for every transaction, the floor limit feature is set to 0 so if for example you go to use the card at a train station or want to pay for your ticket on the train then you are stuffed. The C/G type allow offline payment.