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It can all be very computer says no.
We had a problem when the lender noticed that Mrs Hedge had paid off her credit card balance by bank transfer rather than wait for the direct debit to action. This was categorised as undeclared major spending and assumed to be a undeclared credit card. Our broker managed to pull their hand away from the decline button...it was a close run thing.
All for paying a bill early. Luckily they saw sense.
I work for NBS, you should see what happens when people email the CEO with a complaint. Give it a go.