Not only did it try to blame her for its own mistake over a standing order request she made, it also charged her pounds 19 for the mistake, leaving the account pounds 9 overdrawn.
Mrs Adams, a retired music teacher living in Wales, said: 'If I had been a business person that denial of credit could have meant the end of my business.'
In August 1993, Mrs Adams applied to open a current account with Girobank, which is now part of Alliance & Leicester Building Society. She was persuaded to do so by a friend, who told her that both of them would be paid a pounds 10 bonus if she did so.
'The condition was that a minimum of pounds 300 a month had to be paid into my new account,' Mrs Adams said. 'The application form had a standing order debit, so I filled it in and sent it to Girobank.'
The pounds 10 'reward' was immediately credited to her account. A month later, to her surprise, Mrs Adams received another statement telling her she was pounds 9 overdrawn.
When she queried this, the bank told her that the overdraft had been caused because the standing order was to transfer pounds 300 a month from Girobank into her account with the Co-operative Bank and not the other way round.
Mrs Adams then discovered that despite Girobank's claims of an error on her part, the Co-op had repeatedly tried to pay pounds 300 a month into her new account, only to have the money returned.
In January this year, Mrs Adams applied for a GM Vauxhall credit card. She was told she was not credit-worthy - despite never having been in debt in her life.
The reason? She was pounds 9 overdrawn in her Girobank account. Her card was only granted in May after lengthy protests.
She said: 'The treatment I received has been disgraceful. It would take a lot for Girobank to convince me that they should keep my custom.'
A Girobank spokesman said: 'We have already written to Mrs Adams apologising for the fact that a misinterpretation of her standing order led to all these problems.'
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