Rebecca now has a driving licence. And with this she was able to convince the bank that she really does live with me. As soon as they send her a copy statement she’ll be able to get her Capital One 40% APR credit card For Dummies which will help her build up a credit history.

Things are looking up and the secret was getting her Hong Kong driving licence. Because HK is on the DVLA’s special list she was able to exchange her licence for a UK one with no questions asked. Without that she would have had to take a test to get a UK licence.

Hint to anyone migrating to this cesspit of a country: take your driving test first!