OT: Loans?

In which case, you have NO credit history ! Obviously they're not gonna give you anything !

At the moment, the only place that knows your history, is your bank. Speak to them - if they won't give you a loan, you're screwed, and you'll have to wait a year (at least) until they will.

Once you've had some credit, you'll find it's very easy to get more.

No - you don't have BAD credit-history, you have NO credit-history !

Yes, very circular, isn't it!

Many moons ago I had a plain cashcard & a cheque book for my bank account. After I'd had it for about 3 years they sent me a form asking if I'd like either a Switch Card or a Cheque Book. Well, I've got the chequebook, but, yeah, I'll take the Swtich card thankyou very much so I bung the form in. Result: No, I couldn't have one!

Why was beyond me as money was always going in and out of the account and I'd never been overdrawn.

Went into the branch & moaned and, lo-and-behold, a Switch card turns up in the post.

I'd try the same with your bank, even if you have to agree a low credit level to start with as, after a while, they'll start upping the limit like there's no tomorrow.

It costs me 20 quid to get a report from expirian, so many damn pages :)

Ron