<p>Credit file i sonly 10 months old, shows a personal loan account with CBA closed and 180 days overdue, customers response&nbsp;was I only made 5 payments I was young and irresponsible, that wa sonly 10 months ago, base don his short time in Australia, one attempt at finance that he had no intention of paying, no lender would consider him at this point in time, application withdrawn.</p>

<p>I have received an email from the analyst, he has asked that we include his wife on the application to strengthen capacity as well as provide the last 12 months loan statements on their St George personal Loan.</p>

<p>I have sent a message to Sam asking him to give me a call</p>

<p>Bank statements received, personal income appears spasmodic, however, client has made 3 credit inquiries in the last week, the latest being with latitude Financial for the car 2 days ago, I am assuming this is the reason why he said he was sick, he was just waiting on a result from latitude, these 3 credit enquiries have driven his credit score 1.1 down to 383 and his credit file now shows a 17% chance of defaulting in the next 12months, he has also taken on a $20,000 personal loan in October and has applied for another personal loan in January.</p>

<p>Finally received his banking transaction for the last 90 days, his account is regularly overdrawn, he has had direct debits bounced on the 3rd January,&nbsp;24th December 20th&nbsp;December, 17th December, 9th December, he has the Finance one Loan, he has a loan with Safe Finance and he also has a rental agreement with Thorn (Radio Rentals) I have not gone back any further than December, no lender will lend him money based on his recent banking conduct, his household cashflow is extremely poor and on that basis alone he would only be placed in further financial difficulty i

<p>Application form almost complete, I do have payslips, and enough information to perform preliminary assessment, ran credit file, customer has had a personal loan with the CBA, the account in now closed due to non payment loan was only 8 months old and was 180 days (6 months) overdue at time of closure.</p>

<p>Application has been declined, when I took the application I specifically asked whether he had made any credit inquiries to which he replied NO, I asked him if he had any credit cards to which he replied NO, I asked if he had any personal loans to which he replied NO.</p>

<p>Since he was on a 482 working Visa I did not run a credit check taking him on his word.</p>

<p>He has a personal loan with ANZ bank which as of the December 2019 was 180 days overdue.</p>

<p>Spoke to Trevor again, resent the email,sat on the phone until he opened the email and found the link, he has now confirmed he has received the bank statements link, i will await the arrival of his bank statements and then review his file to work which is our best option moving forward with regard sto obtaining an approval.</p>

<p>If he has the capacity to repay, I think we will be looking at a money 3 deal based on the state of his credit file</p>

<p>Rang Herbert he was in a shopping Centre service was spasmodic, I have sent him an sms just asking him to make contact so we can finalise his loan application and then submit for an approval.</p>

<p>Application submitted to credit for assessment and credit decision outcome</p>

<p>Applicant has no adverse findings on his credit file, capacity is tight, however, his wife Marguerita also works, in the application itself we have made this point and self declared her contribution to household living expenses,&nbsp;and if approved, Marguerita will sign the lenders privacy forma nd also provide 2 recent payslips to substantiate this claim</p>