credit where credits due? apparantly not.

Today has not been a good day. In fact, the last 4 days have not been good days.  Ever since my bank screwed up my account reference for the estate agent we are using to rent the flat that we found.

My complaint has been escalated, and I've spent more money than I care to actually think about right now, on phone calls to the bank.

The gist is the estate agent won't accept my bank statements.  My bank has screwed up my reference, mainly because the person who initially dealt with it didn't read it properly.  Fast forward to today, and Jill, a minion of the bank tells me that the check they do is based on my credit history, file and report, and that basically I have a bad credit history.  In actual fact I have accounts with the companies that compile credit histories, and every 3/4 months, I log in to said accounts and check my records.  Make sure stuff isn't on there that shouldn't be on there, etc etc.

I logged in this evening, and from what I can see, my credit scoring is above average, my file is unblemished, and my history is pretty good shape (no bloodshed or wars).  I never make late payments, or forget to make payments.  I don't constantly apply for credit.  I have a reasonable salary coming in, on a regular basis.  I run my account well (according to every person I have ever spoken to at my stupid bank) so for the life of me, I cannot understand why the bank have chosen to tell my estate agent that I cannot afford to make rental payments each month.

I'm confused.  I feel lost and overwhelmed and upset.  And angry.

We've started packing, and buying things for our new flat, our first home together, that's all ours and not shared with anyone.  We've paid the money, signed the agreement.  There is just this one reference that's blocking us.  Standing in the way of us having a home together and I don't understand why.  After my bills are paid, I have a lot of money left over, in fact enough to cover the stupid rental cost of £347.50 for my share of the rent, with money left over.  I don't understand.  It doesn't make sense.  and no one will explain it to me.  Instead I get crappy unhelpful responses from a bank that clearly doesn't care about its customers.

I've requested for a 2nd request, this time for just my amount of the rent.  If that comes back the same as the last one, then that rope?  the rope holding this package together? it's snapped.  we will have lost our new home, and a sizeable chunk of money.

I havent felt like this in a long time.  I hate it.  I'm anxious.  I'm upset.  I'm stressed.

I know life isn't fair, but for just one moment, just one, give me a break?
I think I deserve one.