credit history, banks, overdrafts, its all so confusing!!!!

[GrandMstRamRod]

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!

[bricey]

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

[GrandMstRamRod]

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!

[JulesS3]

Are any of them in your name?

[GrandMstRamRod]

Are any of them in your name?

phone
broadband
and 2k's worth of car insurance!

[The Mighty Elvi]

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.

 

[JulesS3]

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?!)

[GrandMstRamRod]

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.

 

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!

[GrandMstRamRod]

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!

[barrym381]

if you have ever had any bank charges they wont give you an overdraft