Hi,

This may seem like nothing but its starting to annoy me.

Im 22 in full time employment. I have overdrafts maxed out at £2000 and its starting to get worse with all the bank charges that i cant afford to keep up with.

My credit history is Ok but nothing special with the odd missed payment and charge but apart from that because ive not really borrowed i dont have much of a credit history. No Credit cards etc. I have recently taken out finance with my car company and have been paying that regular and on time since oct 07.

I applied for a loan to RBOS (the bank im with just now, overdraft im trying to clear is with HBOS) but was refused after initially being accepted. They said the reason for rejecting me was because of the bank charges on my statements

I need a loan to get this off my mind and dont want to keep applying to different companies!

Any advice?