I've been with the A+L for 6 years + and hold two accounts with them, both in credit, and despite this they were unable to help me with a loan to consolidate my debts despite my debts being less than £20k, my salary coming in at £26.5k, and the total monthly payments less than I was currently paying. Creditscore 780 out of 1000, and only so low because of several searches over the past few months. Despite this they still continue to try to sell me a mortgage (which they turned me down for several years ago) and a consolidation loan (which they turned me down for several months ago) each time I walk in through their doors.

I shall never use them again!