(no subject)
Oh
my
god
yet another shit day today and I'm VERY angry at a certain bank *cou'hsbc'ghs*
I've been with this bank since I was 11. I was overdrawn by £40 and nice lady today wiped it off for me. Thank you lady. While I was there I thought I'd ask about student accounts and the lady said that as long as I had proof of an unconditional offer I could apply straight away
HOORAY I thought. I could get my account now, have my nice overdraft and we'd be fuckin laughin at all our money problems as we watch them vanish
So
I got home and found the forms, fantastic. Went back down to the bank, lady said they were fine but I should go get some passport photos done while I waited for an appointment as they give you a free Young Persons Railcard for signing up.
Fantastic. I was already a customer of this bank, everything is fuckin sailin
WRONG
They had to do a credit score to get this account. Before I continue may I ask anybody who might know WHYYYY? why the fuck do I need a credit score for a student account? Isn't that the whole point in going to university coz you'd like to get some nice quals to get some money, in other words I HAVE NONE? But still I thought "whatever". Ive had about 3 credit cards, two computers each worth about £1000 (paid back too) and was pre-approved for another credit card, FUNNILY ENOUGH, with HSBC. My credit score is fuckin marvellous.
So they proceeded and asked me if I had a job. Again.... EH? why the fuck should I have a job, I'M GOING TO BE A STUDENT. All they should give a shit about is the fact they're gettin a nice student loan from. But anyway, blah blah, gave the woman a rough estimate of how much I earn..
apparantly I don't qualify for a student account
WHATTHEFUCK???
so lets see I don't qualify for a student account when I'M A FUCKIN STUDENT? Peter got an account from them in about 20 minutes and he wasn't even with the bank already and didn't have any kind of credit score as he didn't have any. You might think that sounds good that he know other credit but no, his credit score was shit coz it was based on the address, ie. his parents and they had a bad credit rating too. He couldn't even get a fuckin catalogue! I've been with HSBC since I was 11. The reason for not qualifying is I have a bad account usage, or some silly shit like that because I'm currently overdrawn.
yeah
I'm overdrawn by a measly £53 which is gonna be paid back in the next couple of days as I told them at my previous visit. But still, why the fuck should that matter? When I'm a student they'll give me a £1000 overdraft so they surely know I'm going to be overdrawn all the fuckin time.
I'm looking at probably closing my bank account as I don't think its fair that anyone can walk in off the street and get a student account on a normal credit scoring but coz I'm already a customer I get scored against my previous bank account too. That is FUCKIN outrageous. Surely I should get better treatment if treated any differently at all? Fuckin wankers. Can't wait to see their faces when I tell them I'm closing my account and my answer after they ask me "why?" (because they always do). They're gonna lose out on money from not having me on, haha bastards. So long £4000 a year. £4000 over £53, how stupid are they?
So now I'm broke, sad and EXTREMELY pissed off
Also yes I realise this is long but I'm not going to cut it as its my fuckin journal. If people don't like it they can take me off their friends lists. I don't care much for having friends that don't like me writing long posts when I have something to say. At least I'm not posting random lj questionaire quiz things.
my
god
yet another shit day today and I'm VERY angry at a certain bank *cou'hsbc'ghs*
I've been with this bank since I was 11. I was overdrawn by £40 and nice lady today wiped it off for me. Thank you lady. While I was there I thought I'd ask about student accounts and the lady said that as long as I had proof of an unconditional offer I could apply straight away
HOORAY I thought. I could get my account now, have my nice overdraft and we'd be fuckin laughin at all our money problems as we watch them vanish
So
I got home and found the forms, fantastic. Went back down to the bank, lady said they were fine but I should go get some passport photos done while I waited for an appointment as they give you a free Young Persons Railcard for signing up.
Fantastic. I was already a customer of this bank, everything is fuckin sailin
WRONG
They had to do a credit score to get this account. Before I continue may I ask anybody who might know WHYYYY? why the fuck do I need a credit score for a student account? Isn't that the whole point in going to university coz you'd like to get some nice quals to get some money, in other words I HAVE NONE? But still I thought "whatever". Ive had about 3 credit cards, two computers each worth about £1000 (paid back too) and was pre-approved for another credit card, FUNNILY ENOUGH, with HSBC. My credit score is fuckin marvellous.
So they proceeded and asked me if I had a job. Again.... EH? why the fuck should I have a job, I'M GOING TO BE A STUDENT. All they should give a shit about is the fact they're gettin a nice student loan from. But anyway, blah blah, gave the woman a rough estimate of how much I earn..
apparantly I don't qualify for a student account
WHATTHEFUCK???
so lets see I don't qualify for a student account when I'M A FUCKIN STUDENT? Peter got an account from them in about 20 minutes and he wasn't even with the bank already and didn't have any kind of credit score as he didn't have any. You might think that sounds good that he know other credit but no, his credit score was shit coz it was based on the address, ie. his parents and they had a bad credit rating too. He couldn't even get a fuckin catalogue! I've been with HSBC since I was 11. The reason for not qualifying is I have a bad account usage, or some silly shit like that because I'm currently overdrawn.
yeah
I'm overdrawn by a measly £53 which is gonna be paid back in the next couple of days as I told them at my previous visit. But still, why the fuck should that matter? When I'm a student they'll give me a £1000 overdraft so they surely know I'm going to be overdrawn all the fuckin time.
I'm looking at probably closing my bank account as I don't think its fair that anyone can walk in off the street and get a student account on a normal credit scoring but coz I'm already a customer I get scored against my previous bank account too. That is FUCKIN outrageous. Surely I should get better treatment if treated any differently at all? Fuckin wankers. Can't wait to see their faces when I tell them I'm closing my account and my answer after they ask me "why?" (because they always do). They're gonna lose out on money from not having me on, haha bastards. So long £4000 a year. £4000 over £53, how stupid are they?
So now I'm broke, sad and EXTREMELY pissed off
Also yes I realise this is long but I'm not going to cut it as its my fuckin journal. If people don't like it they can take me off their friends lists. I don't care much for having friends that don't like me writing long posts when I have something to say. At least I'm not posting random lj questionaire quiz things.