Argh, i am so mad!!! As some of you know, some silly woman drove into my car little over 2 weeks ago now. After much diliberation we decided to take out a 4grand loan, (under my bf's name as i am not 18 till jan) So, last weekend we went to the bank and made all our accounts joint.. and made an appointment to come and see the same lady about the loan today. So we go in, and we fill out all the stuff etc. And the bloody bank, has declined us. We have no credit cards, outstanding loan, missed payments etc.. NOTHING. They worked out that on Oh's wage we have more than double, almost triple 'spare money' as they see fit to cover the repayments after bills etc. Oh's borrowed a few grand of of them before, since completly paid off and he never missed a payment. The woman was even shocked herself, and even after re-applying entering all of our 'assests' being some savings and Oh's car.. it still declined us, so then she turns round and says its because OH, applied to reducse his overdraft limit from 1500, to 500 as we didnt need an over draft that big. Apparntley the system just sees it as an application for an overdraft, and will then give us less points toward being eligable for a loan. . and to top it off they'v up'ed the amount of 'points' you need to qualify. I'm fuming. She says all we can do is come back next month and re-apply. But she cant garentee they'l accept, .. so i am without a loan, no were closer to having a car.... i just dont understand, joes track record with them is gleaming.