I am 18 and I have only been overdrawn once, and this was not my fault as a phone company took money from my account without my consent, i have sorted this out with the phone company who are now paying my bank charges. However i applied for a loan, and was denied due to being overdrawn. How long should i wait now until i apply for a loan? Tad annoying as i didnt get myself overdrawn in the first place!
