“Use a large town or city branch for your application, they usually have go-ahead managers who can push the application if a bit iffy, as head offices listen to good managers.” – But when the finance market is in such a poor state of health, why should any manager “push” an “iffy” application.
If the applicant is “iffy”, why not just show them the door. If they are “iffy” to start with, what happens if the market deteriorates?
A.) Hand the keys back and expect to walk away from debt. Like Hell. Don’t lend to them.