Ok, this is a tricky situation. If you have run your account with your existing bank in a manner whichs shows you have an ability look after your money, ie, you overdraft is used minimally, you pay it off, you have had regular income in the past, you don't return items or go over your overdraft limit, then you may find the bank may pre approve a loan for you. However, you do have to have a spotless account to get this. Out of my customers maybe half can get this.

If however you don't have this and certinately if you have been out of work(?) and haven't had income for a while then most certinately it's going to go to credit search. Now, remember, whil the bank does a cross check of the credit reports they do not get told what's on it. Now if B Gas have put something on your file it will just show up as someone has registered something, not who, what, or he much, and that will pretty much destroy your chances. You need to get that sorted as soon as poss.

But, it's not all a no, if you have a mortgage, then you have an asset to back up your loan, which helps. Also, it's probably best to, rather than go to your bank go to a company such as Lombard, Black Horse or finance throu a dealership. The simple reason being that your loan is secured against the car, if you don't keep up with your payments they just take the car. However I can't comment on their criteria because it varies, but the would be a better option than an unsecured loan from a bank.