Yeah exactly, its one way they have of checking your reliability. If you can't be responsible enough to manage your own finances and be reliable with that, they take it as an indicator of negative reliability. I believe everybody has to go through this, not just most people.
Bobby147: Yeah, thats exactly how it went. Fill out the form, then wait a little bit, and if there are any problems they'll get back to you. I have student loans as well, including one that was rather problematic, but I cleared everything up with the bank, took in evidence of that, and I was told that it was no longer an issue.