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Long Term Loan Repayment
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It's unlikley the missed payments from 2002 are being considered, it is more likely you are being assessed (and rejected) on affordability grounds.
they can't be sure you are going to clear this £10k loan off so any new application is in ADDITION to your current loan.
this all boils down to how much debt you are currently servicing against your salary (amongst a few other bits of info)0
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