I am a final year law student, I wasn’t able to work over summer due to family commitments (had to become carer).
I tried applying for hsbc student account as the overdraft limit for final year students can go
Up to £3,000 . I don’t need £3,000 but I do have bills and there is a cost of living crisis. After ages of trying and the bank being super unhelpful I got a student account, I probably needed about 1.5 k to
Help with foods, bills , rent etc for next couple months however when I contacted them for the overdraft they said I had also filed a credit card application last week, my credit score has been ruined and it would take 3 months till I could get approved . I never applied for a credit card, I informed them that someone has been using my details to apply for a credit card as I did not apply for one and fraudently ruining my credit history . I have used hsbc since I was 11 ,I have never missed any bills or payments, apart from last summer I frequently work and have money in the account. I’m down to my last £50 and have no one to lean on. What can I do I’m so scared I’m on the verge of homelessness and the one time I rely on the bank they are making me wait so long. My credit history has been ruined, I can’t pay my bills or buy food .
Does anyone have any advice, I tried applying to NatWest but hsbc r the only bank I use for every transaction also I assume as someone has used my details my credit history will look bad to all banks .
Any advice appreciated