Hey hun, try not to panic! I was declined by MYA too, I think their credit check system is fairly strict. I got a loan with my bank, a much better offer! MYA finance is about 19% APR which is very high to be honest! Try your bank or TESCO?
I have a BA group on Facebook and you can get lots of advice there? My Facebook address is http://www.Facebook.com/hellocutiepie
If you send me a request I can add you ๐ xxx