Why did you decline my application?
It doesn't mean we consider you to be a bad payer, just that past experience has suggested that applicants in similar circumstances are more likely to experience payment problems.
You can appeal against the decision, and although we can't guarantee to reverse it, we are happy to review any further supporting information you can provide.
Remember, other lenders have different rules, so your application may not necessarily be declined elsewhere. Although the fact that we have reviewed your file may be recorded by the credit reference agency and this may be taken into account.