I opened up an account with A&L in August last year. I choose them over the other bank because of their offer of no overdraft charges and peace of mind switching service plus the account came with £100.00 incentive. It turned up it was the worst decisione ever!! The incentive never materialized until 5 months later I deceided to ask for it. Got a stroppy reply not an apology from customer "care". The switching service did not transfer 2 of my direct debit. I ended up being charged late payment fees for one credit card and my... read full review »