Hi. I have applied to my own bank for a personal loan only to be refused, my experian report is clear, on the electoral registr etc. I have a full time job regular salary, no major outgoings and good disposable income, I did however apply twice before and refused becaue I was not on the electoral register, so I was told. Any idea,s as to why this is would be a great help, should I try another bank etc.

Well, if you can't get a personal loan from bank you can try online lending service. However, it depends on the amount of monet you need as online lenders provide usually maximum $1500. If it's enough for you, try personal loans online and you will definitely get a short term loan as online lenders provide fast cash loans with no credit check. Banks refuse the most part of applications as today it's a great risk for them due to current unstable economy.