Hello! I was tried transfer to Lloyds bank from different bank, I came to interview with all documentation after fill out my application bank staff said that she have to contact they credit agency(I was tried open debit card not a credit card),I was wait in room for that, after 2-3 minutes she came back and said that bank cant open for me bank account because some thing wrong with my credit history, I was surprised and staff told that I not would be able open bank account some where else, she give me a booklet and said that I can contact they credit agency and they would be able to help me explain what is wrong, I contact Lloyds credit agency explain situation that bank don't want to open for me bank account and I would like to know what is wrong, credit agency said that they not make decision but bank Is making decision open for you bank account or not, and they don't know why Lloyds didn't open for me bank account!