It could be a number of reasons such as: -> The type of job she does could be deemed insecure. Perhaps there are impending job losses where she works, etc. -> Her credit rating has just got worse. This could happen because she missed a payment elsewhere or went overdrawn on one of her other accounts. -> The bank is actively trying to improve its own credit rating by reducing the number of customers they deem a high credit risk.
Yes Aliance and Leicester are now fully merged with Santander. They used to be treated as 2 different banks as far as the compensation scheme but this changed about 1 month a go. So if you have 50k in A&L and 50k in Santander/Abbey then you are only protected for the first 50k.