I'm afraid you probably are a bit out of the loop or naive if you likeBanking has seriously changed.
More than likely a computer scored your application based on the replies you gave to the questions and a computer didn't like the total and it replied to you in the only way it knows how. Probably a human never even glanced at it other than to put the letter in an envelope.
If you are the ideal customer than it might have been a far better idea to actually go to your bank branch and apply through them, then at least there might have been some 'recommendation' based on your history put on the loan application before it went to Head Office. Then again with all the changes maybe there is no one in the branch who can meet you to actually do this!
Without more information , it is impossible to give more advice
Well, this was my point really ...
We would certainly be happy to consider a new application for you in the future, should your circumstances change.
Change how exactly, or even vaguely, based on the initial assessment?
I'll just have to find an actual person to talk to. I'd phone my branch for an appointment, if only the branch contact number would put me through to an actual person. I'm sure there's a way ...
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