I aint one for spilling life problems on a forum but i need some help/advice!
This is gonna sound fabricated but i can assure you its 100% true
Few years back i worked for parents, we had an arrangement they would give me a set amount of money each week say £50 for me to spend on petrol and stuff and the rest would be placed in the bank to cover any direct debits i had, and to be saved.
This goes on for quite some time as i dont need much money in the week, when i do need some more i realise i dont even remember my PIN for my bank card so i go into the bank and ask for them to send this out to me, yes ok fine he says. Bare in mind for about 9months prior to this i have no bank statements and im a bit confused
1 week later no PIN arrives so i go in again and speak to some one at one of the desks. He looks into my account for me and says "Sir your account has been closed" At this point i was very very puzzled! He showed me through my bank statements on the computer and it showed it had been closed for months as it had been over drawn by about £100! I was just sat there like 
How have i not been told about this and has the debt been paid off. He rings some debt collection agency and some women rang up and had paid this off for me without me ever knowing!
I went home and spoke to my mum who kinda of denies this to start with, but it turns out we had serious money issues and no money had ever been placed into my account and she had hidden some of my bankstatements.
Fast forward to now and i have a new account with barclays which i have had for almost 12months, but i still only have a cash card ive been trying to get a proper account with them and i have more money in the account with them than i have ever had! Only problem is they cant give me a proper account due to my credit scoring. They have appealed and today i got a letter through saying no which is the last thing they can do. They told me to get a credit card for a while which is not gonna happen!
Now for the help, i need to know what i can do about my credit score, i understand you can get this from the equifax but my main problem is being over drawn and having a bank account closed and it being passed onto a debt collection agency with out me knowing about it! Is there anything i can do to try and get this removed from my credit score?? Cause if i cant even get a proper card this could affect me in more than one way and i didnt even know this was going on
Can i go to a new bank and ask them to do it and put all my money straight into there account? Or will this all end up the same way
This is gonna sound fabricated but i can assure you its 100% true
Few years back i worked for parents, we had an arrangement they would give me a set amount of money each week say £50 for me to spend on petrol and stuff and the rest would be placed in the bank to cover any direct debits i had, and to be saved.
This goes on for quite some time as i dont need much money in the week, when i do need some more i realise i dont even remember my PIN for my bank card so i go into the bank and ask for them to send this out to me, yes ok fine he says. Bare in mind for about 9months prior to this i have no bank statements and im a bit confused
1 week later no PIN arrives so i go in again and speak to some one at one of the desks. He looks into my account for me and says "Sir your account has been closed" At this point i was very very puzzled! He showed me through my bank statements on the computer and it showed it had been closed for months as it had been over drawn by about £100! I was just sat there like How have i not been told about this and has the debt been paid off. He rings some debt collection agency and some women rang up and had paid this off for me without me ever knowing!I went home and spoke to my mum who kinda of denies this to start with, but it turns out we had serious money issues and no money had ever been placed into my account and she had hidden some of my bankstatements.
Fast forward to now and i have a new account with barclays which i have had for almost 12months, but i still only have a cash card ive been trying to get a proper account with them and i have more money in the account with them than i have ever had! Only problem is they cant give me a proper account due to my credit scoring. They have appealed and today i got a letter through saying no which is the last thing they can do. They told me to get a credit card for a while which is not gonna happen!
Now for the help, i need to know what i can do about my credit score, i understand you can get this from the equifax but my main problem is being over drawn and having a bank account closed and it being passed onto a debt collection agency with out me knowing about it! Is there anything i can do to try and get this removed from my credit score?? Cause if i cant even get a proper card this could affect me in more than one way and i didnt even know this was going on
Can i go to a new bank and ask them to do it and put all my money straight into there account? Or will this all end up the same way
