Back in 2002, I went into a branch of Lloyds TSB to apply for a student account (to gain access to the interest free overdraft facility).
I was an existing Lloyds account holder, had recently enrolled on a law degree course (full time) and was reliant on my Disability Living Allowance (plus Student Loan) as my income.
I was taken into an interview room and the account application was declined. I was then offered a personal loan to cover the credit card and overdraft debts I intended to pay from the the interest free overdraft attached to the student account.
I made it per