Bollocks :(

[Kitsandbits]

Ive been waiting to apply for a laon for 4 months and did last night.

Just checked my account and for the first time in 2 years I have gone overdrawn

Fuck.

Guess I can kiss the loan goodbye.

I really, REALLY needed it, im in tears.

fuck

Theyre gonna process it today arent they? and see Im overdrawn.

don't panic yet.. it might not matter. If your credit history is good you will probably be fine

They will run a credit check - they will see that you have gone overdrawn ONCE in two years.

It should still be fine.

Have you done a credit score thing yourself to see what your rating is like - I think it costs about £5 for the full report, but it is interesting!

Don't worry about it - we regularly go overdrawn and have applied for loans in the past and they have never refused us. We are thinking about applying for one in the next couple of weeks and I'm sure we will be approved within minutes.

Ive applied before and theyve turned me down,its my bank abbey.

They seem to be really arsey and ive done everything theyve told me to and i was hopeful, but now i just think theyll say no.

my credit score is 750/1000

and 3 stars,

i have regular money into my account and its a joint loan with DP who has his wages in his account.

Guess Ill just have to wait and see.

If they do refuse you, can you apply somewhere else?

www.moneysavingexpert.com - this site tells you who are offering the best deals at the moment.

Thanks mishy.

I think I will have to try a few other places.

I thought it was best to get one with my own bank, but if not Ill look.

Thankyou

kits can u meial me please djmisdee hotmail com thank you

Hi misdee -is it abbout the window?

Ive emailed you twice lol

ill try again!