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@user16171
Trufax...
A mate of mine got refused because he had two £300 payments to the Open University on his statements.
The lender ruled that, despite the fact he was paying for a one off top up professional CPD module, if he decided to do that once a month he would be £7200 a year lighter of pocket and couldn't afford repayments.
Despite all the evidence in the world that this was a completely optional once a year thing they stuck to their guns and said no.
Anecdotal evidence is a kind of evidence.