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General => General discussion => Topic started by: GrandMstRamRod on 31 August 2011, 21:13
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rite story is summed up! need some help with understanding banks, overdrafts and the such!
i start uni in September and opened a student bank account well upgraded my standard bank account to student at my local lloyds tsb branch, fine everything was ok, asked about overdraft £500 instrest free, and credit card so i can use it just for fuel for the vr6, and pay it off at end of month!!
ive had a part time job bringing in 180 to 250 a week! left that job due to being pushed out! bastards and recently well infact this weekend i start, so rather skint at the moment untill next Thursday which will be my new pay day every week!
received a phone call yesterday saying they cannot offer me the overdraft or the credit card, fair doz not to arsed bout credit card! this is becase of something on my credit report! I HAVE NEVER BORROWED FROM BANK! or have any other means of debt!! never never never!!
i checked by credit history on credit expert and its in the excellent bracket!! they have told me this also as my student loan will be going into this account 1.5k every 4 months!!
any ideas anyone! im not to good with banks or what to do next! especially as skint till next Thursday really need some spare cash!
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they wont give u a credit card/overdraft as you have never borrowed etc so you dont actualy have a credit file,
get a mobile phone contract or something like that to get ur file on the go
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they wont give u a credit card/overdraft as you have never borrowed etc so you dont actualy have a credit file,
get a mobile phone contract or something like that to get ur file on the go
forgot to say!
got mobile phone
got broadband
got car insurance
got 1k load being paid out my account but not in my name
there the monthly direct debits!
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Are any of them in your name?
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Are any of them in your name?
phone
broadband
and 2k's worth of car insurance!
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Shot in the dark, but why dont you go into branch and ask them. You'd be suprised with the effect that " I want to close my account" has.
:rolleyes:
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Are any of them in your name?
phone
broadband
and 2k's worth of car insurance!
Insurance will do nothing, the phone and broadband are probably £20-50 a month so not much compared to others mate. There is your answer (£2k! You drive a ferrari?!)
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Shot in the dark, but why dont you go into branch and ask them. You'd be suprised with the effect that " I want to close my account" has.
:rolleyes:
thats my plan tomorrow!
already rang them up and had a go! also rang the guys mobile i went to see! and they just beat about the bush with it so like you said maybe best bet is to go into tomorrow!
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Are any of them in your name?
phone
broadband
and 2k's worth of car insurance!
Insurance will do nothing, the phone and broadband are probably £20-50 a month so not much compared to others mate. There is your answer (£2k! You drive a ferrari?!)
price of being 20 and driving a vr6 well not 2k exactly just worked it out 140pm * 12 = £1680 a year!
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if you have ever had any bank charges they wont give you an overdraft
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if you have ever had any bank charges they wont give you an overdraft
only once gone overdrawn lloyds tsb will let you go over a 10nner untill 3.30om for free! but no bank charges!
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if you have ever had any bank charges they wont give you an overdraft
only once gone overdrawn lloyds tsb will let you go over a 10nner untill 3.30om for free! but no bank charges!
that might be why :undecided:
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if you have ever had any bank charges they wont give you an overdraft
can someone enlighten me on bank charges! why may i occur these!
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Try the paypal FAQ.
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sell me that mk3 vr back lol
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sell me that mk3 vr back lol
haha you actually want it back?
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Ever not had. enough to pay off a monthly bill?
cant see why they wouldnt give you one.
i went into barklays and they gave me a cc in 5 mins. And all my bills (ie phone ect are on dads account and i pay him)
tried a diff bank to see what they can do?
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Ever not had. enough to pay off a monthly bill?
cant see why they wouldnt give you one.
i went into barklays and they gave me a cc in 5 mins. And all my bills (ie phone ect are on dads account and i pay him)
tried a diff bank to see what they can do?
missed 2 broadband bills due to the direct debit not being set up which was the banks fault! but they got paid day after they were due!
yh im going to go in today and say as another bank has offerned me the things that come with there student bank account!
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Its a mine field with Finance my quad was on finance £8200 at £289 a month never ever missed a payment always paid on time when I sold it I paid the balance off in full. Went to get my mx bike on finance from them bearing in mind it was only for £3200 and they said no :shocked:
Went with Close premium and the women said his file is excellent I dont know how they said no
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sell me that mk3 vr back lol
haha you actually want it back?
Yup!!
I'd have it back
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sell me that mk3 vr back lol
haha you actually want it back?
Yup!!
I'd have it back
ha if i ever come to sell it you will be first to know! love it to much to sell still under 120700 on the clock!
remember got it with either 300 or 400! so not done many miles since but kept in perfect nick in dry storage and used at least twice a week!
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whoever said the charges thing is talking sh!t..
your best bet is to go into the bank sit down and talk it through with them.. One thing to note is that if you have an "excellent" credit rating, some credit cards will not issue you a card as they won't make anything from you...
Have you been on money saving expert and looked into credit cards, the best one for you etc.. I have a Marks and Spencers credit card atm with a 7k limit and 18 months interest free, its worth its weight in gold.