<p>I have rung the customer twice today, he just rag back and said he had changed his min, he is not proceeding - application withdrawn</p>

<p>Tried calling customer went to voicemail, I left a voicemail message asking Manesh to make contact, I also sent an sms with my contact details</p>

Finance enquiry acknowledged thank you

Finance enquiry acknowledged thank you

<p>Tried calling customer again with no attempted response form the customer , enquiry now withdrawn.</p>

<p>Have received bank statements, undisclosed debts, to Credit Corp, Thorn Australia and Afterpay, spoke with applicant has late payments&nbsp;for Westpac loan, account regularly overdrawn, has now set up direct debit for Westpac Personal Loan, will slowly clear out Afterpay, we will review again towards the end of May, when we should have clean bank statements.</p>

<p>So at this point application is <strong>on hold </strong>as he will not get approved with poor bank statement conduct</p>

<p>Credit score is low, primarily because of late payments shown on his Westpac revolving line of credit, late payment sin January, August and November&nbsp;of 2019, I have advised client that I will require copies of his last 3 months bank statements, I have sent him through the bank statements link via email.</p>

<p>James says he will attend to it straight away</p>

<p>Payslips received, YTD figures show client has capacity to repay with incurring financial&nbsp;hardship, applicants credit file will now be accessed</p>